1st - Life. To cover all uncertainity temporily for your loved ones in event of mishaps. 2nd - Endowment (Insurance & investment) to grow your capital first with minimum amount. Best to start early to gain more capital. Get more endowment as time passes and when budget permits. Useful for planning for wedding, building capital for small business and even plan ahead for early retirement. 3rd - Medical. It would be good to have a all rounder type if it covers all stages of cancer and includes personal accident coverage. If not, get them separately. 4th - Travel. Get it an annual type if you travel a lot. All the above are just my opinions. I got most of them already. A few policies were purchased before i was enlisted (before the age of 20). Purchase the policies according to your needs and budget too.