People go through different stages in life and face different challenges in each life stage, and it is important that we all prepare to face your future, for self and your family. Such preparation includes planning for your future financially secure.

You should consider the following:

• Consider a policy that best suits your lifestyle stage.

• Understand the scope of cover provided under the plan - including the product features, conditions, benefits limitations and exclusions.

• Be aware of the circumstances should you need to switch policies.

• Ensure that the premium or contribution payable is affordable.

• Ensure that the amount of coverage taken is adequate, suits your needs and life stage.

• Ensure that all material facts are fully disclosed.

• Ensure that you adhere to all the underwriting requirements.

• Deal only with registered agents/licensed brokers, or directly with the insurance company.

• Monitor the period of coverage and time for payment of premiums or contributions.