I can help you if you really want your人壽保險受益人是朋友. Also, an agent is always better than bank because agent will follow your case in person. If you don't mind I am more than happy to help you. We work in a team of 2 so that you don't have to worry if the agent quit or on vacation. YOu can always find the other one. Feel free to email me at:[email protected]