Agents are busying using your premium to fly here and there. The best way is to avoid agent, buy online directly from the insurance company. Be aware of agents sweet talk, just buy the basic. Reduce unnecessary premium. Just buy another plan from another company. Or coz ur agents will black face and tell u that u will waste ur current plan becoz u already bought it early.

This is the reality. The premium you are paying already included companies profit, agents luxury life, and those who claim for medical bills. Technically, those whose genes are more likely to get sickness will benefit from insurance. I have seen some people claim almost every year but some never claim for 20 years. U can observe from ur family history to estimate how much premium u want to buy instead of listening to agents to cover 2 or 3 million coverage which is a stupid risk and reward ratio decision.