Shopping for insurance is a bit like walking through Sim Lim Square. There are the good plans that you need and are really useful for your life. Then, there are those that you should avoid like the plague. A financial planner spills the beans. Words by Seng Bingyang — If you are like most young professionals I know, you would have been approached by an insurance agent at some point in your life. He or she could have been a random stranger who stopped you on the streets or even your friend, offering seemingly amazing insurance policies. But, can you be sure which policies you really need and which ones you don’t? Most of us are aware that it is financially detrimental if we delay our decision to purchase an insurance policy. Yet, we don’t want to be suckered into buying something that we would come to regret in the ......