What are your tips and tricks when getting an insurance product?

Get a FA that is able to offer u a full solution, from financial planning, health protection to estate planning. Getting insurance is the first step, but planning is a 2nd step.

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Also dont buy from agent who sell only product but rather a solution based on your budget and need.

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Never talk to just a single company for life planning unless you need to support your brother who is an insurance agent. If you are hardworking like me, talk to different agent from different companies to compare product and obtain industrial insight. otherwise like what Siak Lim said do speak to a few IFA + AIA/Prudential/GE agent to have a full overview of Singapore insurance products. FYI AIA/Pru/GE doesnt sell their product via IFA.

Calling insurance planning "tips and tricks" is rather inappropriate. Get a proper financial adviser to advise you properly. The only tip I can give you here is to engage an INDEPENDENT financial adviser who can give you unbiased advice, not those tied agents who represents their company's interest.