Yalah, what to do? The average Malaysian is severely under-insured, that's if they are insured at all. Frankly the social welfare has become a burden to our country. No reason for us to prevent insurance companies to pay out as much as they can into our pockets when disaster strikes. Everybody wins.

Maybe not change to their insurance lah. Don't listen to insurance agents who ask you to cancel one policy to buy from them. Because there are so many features and benefits let alone the cash value/dividends that were built up over the years.

Objectively, if it doesn't affect your lifestyle or other investments, it is never wrong to pick up a life insurance policy.
But if the person die also don't want to buy for the sake of not buying, maybe the person doesn't like the agent lah.

Cuz frankly, who would argue with the fact that the sky is blue and that we love our spouse and kids?