After having a kid, I thought it was due time for me to update my insurance protection. I summed up all my policies and realised that I have a huge shortfall for death, tpd, as well as critical illness. As it is now, I applied for the Mindef Aviva plan to cover this shortfall and am still waiting for them to get back to me. This should add another $700 to $800 per year to cover me until age 65, which I gauge it to be adequate. I’ll do a separate post on it when the insurance plan is confirmed. Might be months later, since I likely have to do a health check and all the other documentation.
So that’s the easy part. Just spend the money, pay the premiums and lo and behold, you’re covered for xxx thousands here and there.

The harder part is this other ‘insurance policy’ I just