Hi, I’m Jinfeng. I got my first insurance policy at 21, a MINDEF Group Term Life plan while I was serving in the army, not because I understood what I was buying, but because it was the easiest and most affordable option available to me at the time. Looking back, I did not really get insurance until a few years later, when I actually sat down and mapped my coverage against my own life. A lot has changed since 21. I have just gotten married, we have collected the keys to our HDB flat, and for the first time, my financial decisions are not just about me anymore. That shift, from “just me” to “us,” and to the people who depend on me, is what pushed me to properly review my portfolio rather than let it sit on autopilot. My Life Stage and Financial Context I am in my late 20s, recently married, and we have just taken on an HDB loan together....