after reading all thread, here by i need advice on my insurance coverage:

My Profile:
Age: 33
Sex : Male
Smokng : No
Health : Okie n no operation yet since born
Budget : For 36CI only from 100-150.

Currently:
Company Group Insurance from ING
- Medical cap at annual 50K
- If Death 26x monthly salary
- Almost cover all cost of hospitalization as long as does not exceed the annual cap
- Note: It does not cover CI at all.

P.A
- 300K for self and Family, Rm550 Per year

Endowment
- RM52K for Death
- Current value is 30K

Child 1
- Medical Card, ILP type RM100 per month
- With Payer Rider

Child 2
- Endownment RM30K
- With Payer Rider

If you can see, i am definately lacking of 36CI coverage and life too. Have being approaching GE/AIA/PRU/Allianz agent, all of them provided me with the quote. Actaully too many quote that i am "blur' now.

Below is couple of question i have:
- Is it better to have 36CI as standalone or as rider in Life Policy(ILP or Whole Life)?
- My family is currently insured by company group insurance, yearly rm 300++ with the above coverage, should i
get a additional medical card for my family now or later if i resign..?
- Some agent told me 36CI with term policy , does not give you return but Whole life non-par did? The former is
definately cheaper as no return, and later will give you back what you paid plus minor interest.
- Pru Multiple Crisis offer 2x claim on 36CI, what do you guy think of this one.

Insurance Agent: Pls dun advice me on getting life policy as i am looking into CI/Medical Card only. No offend yea!

Thx