Are you well covered by your insurances?
note: Sharing my own personal experiences and encounters with my insurance.
I urge you to take a step back and start reviewing your existing polices. Especially, if your financial adviser (FA) has not done so for the last few years after they have closed deal with you.
1. Get your FA to review your policies
2. A summary table of your current polices to fully understand what plan(s) you actually have committed
3. Rethink if they are necessary and suitable at the current stage of your life
There have been so many negative and unhappy incidents happened to me since the past few months, given that Im now currently heavily pregnant. It was just terrible to share and perhaps the counter parties would find me very self-centered. (I shall not drift myself further and back to the insurance topic).