Do not spend more than 3% of your monthly earnings on life and medical insurance for yourself and your family.
Read this FAQ:
http://www.tankinlian.com/faq/choice.html
If you have already invested more than 3%, you have probably bought some insurance products that provide some savings. You can keep these products, as you have already incurred the upfront charges.
For your future purchases, you should buy low cost protection products and invest the additional savings in a low cost investment fund.
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