Hi everyone,

I’m currently exploring insurance options that best suit my profile and priorities. (Yes I am 28 with no life or CI insurance at all!)

Here’s a quick summary of my situation:

Age & Gender: 28, Male
Lifestyle: Active (lots of walking & weightlifting), non-smoker

Existing Coverage:
My company provides medical and hospitalization coverage, so I’m not concerned about basic medical/hospitalization plans.
All my properties (liabilities) already have insurance, so I don’t need death coverage.

Main Concern: I want to ensure that in the event of critical illness or disability, I won’t be a financial burden to my friends and family.

Additional Perks: If a policy comes with useful lifestyle benefits like discounts on food, gyms, or wellness-related merchants, that would be a nice bonus.

Given my needs, which insurance providers/products would you recommend? Ideally, I’m looking for plans that offer strong critical illness and disability protection, with good value for money.

Appreciate any insights from those with experience or expertise in this area! 😊