Balancing premiums between insurance and investments

Hi Terence, I follow you on twitter and enjoy your posts and podcasts. A topic I would like you to discuss is how to balance the mix between contributions to life cover, dread disease and retirement investments. I have 2 children - the youngest being 12 and I am the sole breadwinner in the family. My strategy has been to take care of life cover first to the value I think is necessary to sustain my wife to death incl kids education (incl existing retirement savings). Severe illness I have some cover and then the balance goes to investments (mostly RA). Regards JP

Thanks JP for reaching out and asking such a great question.

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Take care and stay safe.