I believe everyone know that the older you get the more expensive your insurance cost will be. So why not help your kids have a head start by helping them start a saving plan with protection. Starting from just $210 a month, you can give your kids a program that allow them to enjoy 500K protection for death, 490K for disability and on top of that another 500K on critical illness witj 250K on early stage critical illness that are separate from the death or disability sum assured. This program allow you to withdraw your saving anytime you want, i.e money for kids excursion trip, new gadgets or even for education. If also can be a limited pay plan where after a certain years, let the plan to grow on its own while still supporting your kids protection through his / her lifetime.