关于保险
保险自从买了之后再没关注过，每年自动renew，也没理赔过，今天突然一看发现每年的保费好多，想请教版上的保险经纪，那些rider有必要重新review？多谢！
35岁，有两个学龄前孩子，自住房房贷还有1M没还；队友和我的保险配套基本一样，差别在于我有保早期重疾，队友没有。
| Basic Plan | Status | Sum Assured | Basic Premium | |
| PruTerm Vantage | In Force | 1,000,000.00 | SGD 496.80 | |
| Component | Status | Sum Assured | Component Premium | Cover Expiry |
| Accelerated Terminal Illness | In Force | 1,000,000.00 | SGD 0.00 | 2043 |
| Crisis Waiver III | In Force | 496.8 | SGD 20.32 | 2043 |
| Crisis Care (PruTerm Vantage) | In Force | 500,000.00 | SGD 1,225.00 | 2043 |
| Accelerated Disability Benefit | In Force | 1,000,000.00 | SGD 80.00 | 2043 |
| Crisis Waiver III | In Force | 80 | SGD 3.27 | 2043 |
| Early Stage Crisis Cover | In Force | 100,000.00 | SGD 797.00 | 2043 |
| Premium Waiver (1st Early Clm) | In Force | 797 | SGD 0.00 | 2043 |
| SGD 2,125.59 |
Huasing Association 1999 - 2013