I wrote about MAS' Direct Purchase Insurance (DPI) initiative previously here, which allows us to buy basic life insurance products directly instead of having to go through an insurance agent. While for some people, especially those who are not too financially savvy and do not understand much about insurance, insurance agents can helpful, but I personally find them as too much "noise". What do I mean? I've set my mind on purchasing term insurance since a few months back, when I reviewed my ILP and decided it was time to terminate, as it wasn't worth my while paying anymore (more on that next time). But I've spoken to at least 5 financial advisors since, most of whom still try to up-sell me to get the more expensive plans, especially whole-life plans. There are some who were worse - one tried to fool me into getting another ILP! Fortunately, ......