It's not all about the company. Honestly, it's about your advisor. Work with an advisor who you can trust. Insurance companies are like manufacturers; they manufacture products. Or we can say, they are like hospitals that have all the required equipment and treatment solutions. But what you are looking for is the right doctor. Find yourself a trusted advisor who will give you right advice. The products are very similar across the world, maybe with a few minor differences. The products may keep changing, but your advisor stays with you. If you have any questions, spend more time with your advisor.