I currently have Maxilink Prime Sunlife VUL insurance - 1500/month, which I know lifetime payment, my agent didn't disclose the term clearly. But going 3 years na sya this year. I plan to pay 10 years lang, then maybe pay only the charges on the 11th yr and so on. About 1k to 3k a year din yon, if di magtataas or i-base lng dun sa charges sa contract. And I'm hoping na masustain naman nung funds ung VUL policy. Di na rin ako umaasa sa investment nito. Hahaha. For life insurance na lang din purpose ko. Wise kaya na ikeep pa or terminate na hanggang maaga?

Now, I'm planning to get Critcal Illness policy, focusing on helath, gusto kong magfocus sa future, if magkasakit man at least may makuha ako.

Condition: -Have emergency funds - Single -Not planning to have family yet -Not a bread winner - I have Emergency HMO, maxicare prepaid only -freelancer

My questions: 1. I-paterminate ko na lang ba yung VUL ko and just focus on having Critical Insurance policy with riders? 2. Ano po bang pinaka magandang Critical Illness Insurance na pasok sa 2500-3000 budget payable for 10-20 years with good coverage? 3. Ano ba dapat unahin HMO or trad health insurance?

As of now, Fit and Well palang ung nadiscuss sakin, oky naman siya, still reviewing on it. I hope you can give me wisest advice! Thank you.