need to insure against accident, theft, crime , freak accident.. but not interested in death protection.
already got some basic protection for death, pernament disability to partial disability from about 2 to 3 income from NTUC, prudential and govt one.
where do i get these insurance.... seems like most always got death and PD attached to personal accident policy one... which i dun want really/// cos i \scared got overlapped and i also got already in the first place....
is term insurance more suitable for me also??