Personal accident insurance is essential for all young people. It is more important than life insurance or critical illness insurance. During most of my working life, I was insured for $1 million against death or bodily injury caused by accidents. I still hold the insurance today.
If you have term insurance, it is better than personal accident insurance. But if you do not have term insurance, you need personal accident insurance more than ever.
Read more about it here:
http://fisca.sg/Login2.aspx?URL=Info/415/Insure-against-personal-accident
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