Medical / VHIS
Consider when hospital bills worry you, you want certified minimum standards (VHIS), or tax deduction eligibility matters. Pause if treating VHIS as investment, ignoring deductibles/geography, or skipping gap review despite rich group cover.
Critical illness
Consider when you need cash after diagnosis (income gap, self-pay care). Pause if unread definitions/early-CI clauses or treating CI as medical reimbursement.
Life
Consider when someone depends on your income or debts. Pause if beneficiaries unclear, term mismatches liability horizon, or life illustrations are treated as savings yield.
Accident & disability
Consider when accident death/disability could cut income and medical reimbursement will not cover living costs. Pause if unread occupation/activity exclusions, or treating accident cover as a full CI/medical substitute.
Savings / annuity / ILAS
Consider when protection feels roughly OK, capital is truly long-term idle, and you grasp guaranteed vs non-guaranteed. For retirement income/deferred annuity, also ask start age and guaranteed portion. Pause (esp. ILAS) if money is short-term, fees/fund risk unclear, or “guaranteed return” talk pushes you. This site shows no yield figures.