1. yes. depends how am i insured. personal accident 1 mil
2. 2
3. PA, 36CI, life (plan to set up my own retirement fund soon)
4. doesn't matter. as long agent serve me well.
5. monthly and yearly
6. i dun expect any return even as promised

spend less than 10% of ur income would be sufficient.

kind of policy preferred would depends on whether of you having dependents or not. the sum assured determination should be realistically to your income as in how much can you survive in event that you cannot work for a year or two (inclusive of car loan and housing loan). this is called risk management