Some one's sister had lung cancer.

This is a very common phrase.

You will hear so and so's sister, brother, mother has cancer.

What comes to mind? I am sure it is not how long more will they live but how much will be needed for the treatment.

If we honestly think so, are we ourselves adequately covered?

My recommendation will always be any Shield Plan and dread disease Living Policy should form the basic coverage.

I said any Shield, because it is not point to compare and contrast until it is too late. There wouldn't be too much of a difference between all Shield Plans except that the premium may be lower and a little bit of benefit one company has and the other company does not have.

It is important to go with an insurer with good base, so that the premium will be stable over the years to come. Also look for a more compassionate insurer and not one that sticks to term and condition so strictly that there is no compassion shown.

Any dread disease needs funds for treatment and in worst case scenario, one may lost the capacity to work.

Many people are willing to pay $500 a month for instalment payment of a car that will be scrapped in 10 years, but $100 or two a month to plan for the financial security of one's family, one will think and consider so much.

I hope we can have better sense in this. Sorry for my frank view.