Here are some things to consider when choosing an insurance policy for you:

1. Know your budget to have an insurance.
   Even with USD60 per month you could already have insurance policy including your fixed deposit.
2. Know the insurance protection that you want.
   Are you at risk to involve in an accident at your workplace or at the road? Are you exposed to critical diseases because of your lifestyle and your imbalance diet?
3. Know the amount of insurance protection that you want.
   Is your goal is to get high return of benefits after the first 3 years due time, high return of benefits on your retirement day soon or your protection when you retires early or your mandatory retirement and most importantly your hospitalization cost protection?
4. Know who you should protect.
   Who do you love the most? Youself? Your kids? Or your family?

Contact insurance companies to know what fits you the best.