I’ve always recognised the importance of having protection in place. But in my early 20s, when I had just started working, I also realised that protection planning is not about trying to cover everything all at once. Of course, no two people will have the exact same insurance philosophy or priorities. The way we think about protection is often shaped by our own experiences, what we’ve seen among family and friends, our financial situation, and even our parents’ views and experiences with insurance growing up. Some of us may have heard things like “insurance is useless” or “they’re just trying to scam you”, while others may have grown up seeing their parents put aside money into ILPs or savings plans as part of their approach to protection and financial planning. At that point in life, I was still learning how to manage my finances, grow in my career, and work towards future goals like marriage and housing,...