krystle,
Prevention is better than cure!
pixie,
His wife is in KL. This couple also very funny one, 1 lives in KL, 1 lives in Sg, their #1 taking care by his mum in Johor, they only met each other once in a while before having #1, after having #1, they try to go back to his mum every weekend if they are not outstation. Like that also can maintain good relatioship leh. But they talk on Skype everyday lah.
Chaye,
I haven't bought any insurance. Still thinking. My agent from GE also very good, never push me for anything and won't call me unless I ask him something. He is one of the very very top agents in GE some more, very good attitude.