If u think tat u r over insured, then is over insured lo.
Everyone have their own value.
If 150K something is ur value u wan for now is then fair enough.
U have the choice to value urself. But i hope ppl can think big.
In my view, Only ppl who is think big can achieve big success.
Give u an example la, Coca Cola in Mamak is RM1.60 but Coca Cola in Six Star Hotel is RM20++ to 30++. Why leh?? Is from the same factory, same taste n everything same.
Izzit over Value??
U think for urself.

Actually every insurance plan is good.
It will give u something to compensate ur loss of uncertain event,
so it is better to have 1 for it.
If u think that u need to cover more areas n want to have more sum insured.
Then just go n bought it base on ur afford ability.
No free luncheon for pay little amount n can give u more sum insured.
N just remember insurance is something u cant buy it when u need it.
So u all should get it BEFORE u need it, when u are in healthy status.
Thats all.