Okay lang po ba na may may mga insurance ka from different companies?

I'm looking at 2 CI and life and health insurances from different companies kasi. Parehas kong gusto. Yung isa ay 5 years to pay annually and renewable din every 5th year, up to 70 years old ang coverage, affordable ito. Yung isa naman 20 years to pay annually din but hindi na siya renewable, up to 85 ang coverage and receives annual cash payout starting at the age of 66.

All in all mas mura itong dalawa kung kukunin ko compared sa VUL na currently mayroon ako at will cancel na rin kapag nakakuha na ako ng bagong insurance.

Edit: Add ko lang din may isa pa akong nakikitang option na maganda but still don't know how much it is. Covered naman 100 CI up to age of 100 years ang coverage. I have to talk to their FA pa bago malaman up to when ang payment ng premium and ang how much. So ayun...