Is is necessary to have all the below insurance products below? Are there overlaps in coverage?

Just normal poly student here.

Health, CI, ECI and life insurance are all good to have but you seem to have 2 whole life insurance, is there any reason why you bought 2? Another important thing is to tell us how much each of them cover, number of dependents and your income so that we can tell you more specific if you are over insured or under insured.

Not an IFA. I'd like to look at your Lifeready policy for a potential overlap - but needs specific details on the amounts. Generally I rarely put ECI and CI on the same policy.

Your GE whole life plan should complement your LifeReady and vice versa.

Like Hariz said, the total amount (10x, 5x) is more important.

I'm big on saving you more money in the event there's an overlap so that said premiums can be channeled towards making you more money - I'm sure you agree that'd be far more favorable than being confused.

You can drop me a message at https://www.facebook.com/luke.ho.54.