What’s a reasonable “baseline” insurance coverage for a fresh grad / early-career in SG?

Hi all, i keep hearing the same question from guys starting work after ns:

besides mindef group insurance, what else should i actually look at, and roughly how much coverage makes sense?

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i found that a lot of guides are long, and most calculators either ask for too many inputs or give a number with no explanation. so i built a simple 2–3 min tool that gives a rough starting point based on life stage, income band, dependants, and housing loan, plus a checklist of questions to ask an agent.

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it’s not financial advice, and i’m not collecting emails or anything. i just want to make the “first step” less confusing.

would love feedback on:

• what do you think beginners commonly miss or misunderstand?
• what’s one input you think is essential that i didn’t include?
• does the output feel reasonable, or does it oversimplify too much?

if it’s ok, i’ll drop the link in the comments so it doesn’t feel spammy.