actually im just planning ahead before bb come out...It doesn't have to be an endowment plan. A normal saving plan will work jus as fine. My insurance agent did a very gd job in planning for my entire family. He reviewed all the policy that we hv so that whatever policy we hv currently are revelant to our needs. At diff. stages of life, we'll wanna hv some extra, special features in the policy.
you can PM me for my agent's contact if u r interested. (jus tot of sharing a gd agent's contact)