I hv no comments on insurance. My hubby deals with everythg else besides housework and cooking. We got the kids' plans from Prud, simply cos ours is also from Prud.
Just an update. My kids are now sleeping in their own room. We got our big bed back. The transition is quite smooth, accept on day 1 where boy had fever (so he slept with me while the daddy slept with the gal). After boy recover, they both sleep in their own room (erm i mean they share a room) without much problem. Its not decorated as a kids room thou, my poor kids, so deprived.
I think the transition is smooth because they both had company of each other. Furthermore, we hv been talking abt them sleeping separately from us for quite sometime, thus they are prepared.
Btw, K's mom is saying abt letting kids sleep separately so that the adults can sleep in a little longer. How can that be when you got to prepare breakfast for the kids when they wake up before u do? Furthermore, i hv to attend the gal when she goes toilet first thing she wakes up.