I have helped my baby to buy the critical illness so that touch wood if got any serious illness to her, we have the money to see doctor.
The plan is that you pay for 20+ years it will cover her for her whole life and if she wants to terminate the insurance when she is 26 years old, she can get back all the premium. or when she is 80+ she can get the insured sum if she terminate the insurance....
Life insurance's purpose is to help the one rely on you for living, you need to have life insurance for yourself as your baby rely on you, but why need for a baby??
I only buy hosiptal plan for my son, cost is only $2500 per year.
You want to keep as saving, but do you know the interest rate from insurance company?? You must earn more if you save $$ and invest yourself.
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