Hi anon, Rather than look at it as your coverage for term and life insurance, I would instead look at it as such: - Death/TPD coverage: Do I need it? If I don't have dependents or liabilities, then probably not. If I do, how much cover will I need? How much more do I need to cover the gap? Rules of thumb usually peg the amount of cover at 10 times annual income, or the amount needed to cancel your liabilities and provide for your dependents, whichever is higher. - Critical Illness: I'll need this. How much do I have now? Is it enough, keeping in mind the rules of thumb for the amount of coverage. If not, how much more do I need to ensure a peace of mind in the event I am critically ill? Rules of thumb usually require 5 years of expenses at a miinimum with a additional sum for out of pocket costs. - Medishield Life: Do I have at least an integrated shield plan and a rider? Regardless of whether it allows me to go to private hospitals or only restructured ones, this insurance is important - Long Term Care: If you are a Singaporean Citizen or PR, then you should have Eldershield. But the coverage is not a lot. You could use your Medisave to get supplementary coverage. Take a look at your policies and see which policy covers what. Just because one has a 100K term insurance, doesn't mean it will cover CI. It could only be death/TPD cover (which might be the case). If it has a rider provide accelerated CI cover, then I can consider that you have CI cover of $100K on the term plan. Similarly, a life insurance plan may not cover CI, depending on the policy. You need to understand what is covered, but if you have difficulty figuring out, you might need to speak to an advisor. With the rules of thumb, and knowing what each policy covers (and doesn't cover), you will then be able to gauge your shortfall and decide if you need to insure yourself better, or you can move forward to invest for your retirement. Lastly, an advisor who can distribute multiple company's products would be mostly from an IFA, such as myself.