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Awesome! I agree that financial planning should be customised. :)

Just one observation. One reason for considering life insurance can also be for when we become disabled or critically ill (not just death alone). Meaning, we could burden ourselves. This is because, we can’t bring in income when we want to work.

If you have old parents to care for, intend to get married or buy your own property one day.. you may want to setup your life insurance sooner (cheaper). Perhaps, don’t over cover. Then, add riders to payout the sum assured for when you cannot earn due to disability or critical illness.

Or not. Haha. Just my 2 cents.

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