I have been working for 3 years (27 this year). My take home pay is about 3.5k. How much should all my insurance cost? Is 10% of 3.5k a good gauge?

10% general rule of thumb and is prudent enough. more impt ur coverage shud cover ur annual income, ideally 10x but given ur low risk being young mayb u dont need so high coverage

Generally, the recommended amount to spend on Insurance products is 10% of your income. However, do note that this does differ for different individuals based on your personal financial commitments.

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It is more of how much you are being covered for, rather than the absolute cost.

CI coverage may be the most important for you if you are still single, without dependants.

Think about how much you would need in the event of CI.

When it happens, people will hope that they have more. But this should not be at the expense of monthly cost (affordability).

You exceed 10% if you have medical conditions that cause the cost of insurance to go up due to premium loading. If not, 10% is a good amount to cover all your shortfalls.