Quite a lot of investments there
Cathy.. seems you had some bad exp with insurance companies.. I usually dun like the agents.. so during the initial yrs of my career.. took time to read about the various products in market & to rebalance my insurrance coverage..
In the end, i terminated endowment policies from AIA & prudential, ILP from HSBC..
Bot life, term, H&S, disability income from TM Asia, NTUC, Aviva & GE instead..
Think its impt to read the product T&C & enter the contract with eyes open..