halo ,nice to meet u^^i have read your question,i wanna introduce my agent to u,coz she is very professional on her job,and she is working at prudential for 5 yrs la.....so that she has good experience on it..... i think she can help u and solve your problem... and i also introduce her to some of my frds who need to buy insurance,and they all said my agent is really good to them^^so that if u dun mind u can add my msn at :
[email protected],i hope that i can help u la^^so cold for these few days,take good care,chat u then^^