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There's a standard "formula" right now on how much coverage is enough, eg. for those with dependents, minimally 5 years of income for CI coverage, 3 years for ECI, etc. What are your thoughts on this "formula", and should we buffer in inflation costs too, and be abit more "kiasu", ie get more coverage - which some FAs are suggesting, or is that over-insuring?
If one has a stable job, can one rely fully on company's employee insurance coverage?
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