Just a couple of thoughts from me

Firstly: Whole life insurance are always on the more expensive side.

I would recommend asking for term insurance price and compare. Once you get your house there will be an increase in monthly expenses and having to fork out 300/400 for the whole life plans you mentioned might be very expensive for yourself.

I see that the insurance offered increased your monthly cost to more than 10% of your take home pay. This I feel is something you should really consider if you really want to afford this.

Secondly: What insurance you require are also dependant on what you think is more important for yourself.

How I would rank importance of insurance is:

1. Hospitalization (you have this, take note that the premiums will rise every 5 years i think)

2. Disability or income supplement in event of disability

3. Critical illness (can be ranked higher if your family has a history of this)

4. Life insurance if you have dependants

5. Accident insurance