Owning how many policy is not important.

Most important is to understand:-

-is the policy Life/TPD protection is enough to help next of kin to maintain the lifestyle for at least 3-5 years?
-any Medical plan is in the policy? Is it still enough for the next 10-20 years of the inflated medical cost? Any limitation of exclusion of the medical plan? Normally at least RM100,000 till RM1.8mill annual limit and at least RM1mil or better no lifetime limit.
-any 36 Critical Illness and Early Stage Critical Illness? Whether enough to help individual for additional medication & medical assistance in the lum sum amount.