Dear Mr. Tan,
I had just got a quote from the insurance agent, the sum assured for $200,000 decreasing term of 20 years, the monthly premium is $50 (female). Please advise whether it is expensive.
REPLY
The premium rate quoted is very expensive. You can get the benchmark premium rate from this FAQ.
http://www.tankinlian.com/faq/term.html
It is best for you to get a few insurance companies to quote the premium rate, rather than depend on one agent to quote you an expensive rate. Do shop around.
http://www.tankinlian.com/faq/termd.html
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