Life Insurance is very IMPORTANT! You need coverage against death, permanent disability and critical illness. You are only being responsible for yourself, responsible for your family, responsible for your love ones, when you get life insurance. Regardless, from whichever company you get it from, whole life insurance is a MUST! Freddie Ng shares his experience on how life insurance SAVES his life. Helmi Hakim www.helmihakim.com +65 96520134