So after I cancelled my ILP, I finally diverted it to purchase MINDEF Group Personal Accident, most of it still goes to investments though.

I purchased the plan through this link.

It is a rather cheap coverage as it is subsidised by MINDEF to NSmen like me.

Some conditions are required prior to joining

NSFs NSMen Regulars MINDEF or MHA Public Officers Volunteers (MINDEF/MHA/SPF/CDAU) Employees (FT/PT/Contract) of DSTA/MINDEF or MHA Related Organisations Aged 65 or less
Here are some reasons why I took this up
Need personal accident coverage (no underwriting for max coverage) Potential addition of Group Term Life (GTL) in the future if coverage is required to be increased (cheap too! no underwriting up to 1M for Life+TPD) Did some research and the CI and ECI is only cheap until age 30, so thereafter, it is more costly as it is increasing rather than flat rate Once signed up...