Most basic insurance to get? Trying to trim down to the basic?

Most important would be hospitalization to deal with large medical or healthcare bills. Next would be term insurance to cover the loss of income since you have en elderly dependent. These 2 should be the most basic to cover most of your needs.

Hospitalization and term life (with CI) are the most basic imo. If possible add in ECI in term life depending on yr affordability.

Lots of ideas there, and I recommend that you speak with several advisors whom you can trust to get their suggestions before you make your decision.

Note though that you shouldn't focus on trying to trim down to the basic, but focused on covering the needs that you can't afford to pay for.

Not an insurance agent. But here is what I feel a person with your profile should be getting.

1) Hospitalization plan - this one most basic for sure
2) Term life (TPD/CI) - the payout should sustain you and your dependent should anything happen to you, and amt can be reduced after dependent passed away
3) PA plan - cause it's cheap and offers high payout if involved in accident - plan it tgt with the term life? If can't afford term life even.. then at least get this one. But this doesn't offer CI coverage.

Since asking for most basic.. wouldn't recommend WL.. specifically if you are of a certain age.. then it will be very expensive and will not be worth it. Have term life cover for the economic years. Depending on your life philosophy.. you may take death as it comes.. so instead of WL, learn to invest the money and plan for retirement so that should you get a CI or something after retirement, there is money to sustain your life - with medical expenses generally covered by hospitalization plan (so don't scrap this one) and you have no further dependants.

Not sure if you have housing mortgage but ensure you have it covered in your insurance planning / HPS. Make sure CPF nomination and LPA is done as well. If you have trusted siblings, relatives, cousins and friends.. let them Know how to help with insurance claims and with your elderly dependant should the unfortunate happen.

Last but not least.. if you intend to stay single... Pls plan for own retirement (CPF/ investment/annuity) and mortality if haven't.