Wife and Baby Term Insurance Rejected

Just now checked with my agent how come so long never receive any news then found out that both wife and baby term insurance application got rejected, also due to their heart condition, but it's not that bad, no term insurance not really big deal, can still go for those savings plan, I think most important is hospital insurance, lucky still have MediShield Life so no need to worry so much.

Anyway wife and baby both eventually need to go for heart operation, must standby some cash just in case.

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