hi all. would like to seek opinion from all bro/sis here.

i need to get a "pure" term insurance (with total permanent disability + critical illness; without any cash back or surrender value; premium won't increase as age get higher)
age: 23
sex: m
smoker: yes

my budget is within RM100 per month.

any bro/sis here have idea which plan should i get and from which insurer that will provide me higher sum assured and highest age that will cover till (e.g. 65 or 70)?

thanks a lot in advance!

This post has been edited by 3332999: Nov 30 2009, 02:29 AM