✔ 最佳答案
I think basic life insurance is fit 4 u. Actually, if yr concern is $, ty to buy 4 yr son. SOme insurance is for education saving.Besides, amount depends on yr budget, u better ask more agency to compare...some is just <$500/month....if u really cannot pay, try & buy <300/month until u can afford.
Remember, if u don't want, no one can get money fr u so don't be afraid much.
Insurance is good only some sales no good.
U think , if MPF not enough, u & yr wife no job, who can take care u...only insurance.
Think about yr son, he is still young, need long term care & develop for him.
Some company as Sunlxxx, Manuxxx, Eagle sxxx, I think better not as AXX sale aggressive & ask u more money.
QQ