Malaysia is likely to miss the target of 75% insurance ownership by 2020. It is at a mere 55% now or under 35% if you adjust for people owning more than one policy. Finance Minister Lim Guan Eng said that the target would be revised. Perhaps, the problem is the practice of selling insurance with bells and whistles which make policies more expensive. This would be a good time to promote vanilla policies which cost only a fraction of current offerings.