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Which insurance do you have?

I have taken out some insurance policies such as hospitalization, critical illness, accident, and household including third party liability. I mostly search for insurance products online and also seek the advice of my friend who is an insurance broker.
 
I’m freelance, so I pay for my own health plan (ouch). For life cover I went mixed: small term policy for the "just in case" and a little IUL I opened via Capital for Life. It costs more than plain term, but I like that I can borrow from the cash value if work dries up. Feels like a backup savings account with insurance wrapped around it.
 
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