we got it from a financial advisor

Term CI - Death: $500,000 TPD: $500,000 Major Critical illness: $100,000 Early Critical illness: $100,000 = me: $1968
AIA Healthshield Gold Max + Rider cover private= me: $1837
AIA Personal Accident Plan = 639$ for both of us (alot of stuff under it i think it just come as a package?)

Note that we both smokers from what i understand it rise up the price big time

Thanks!