Bethel insurance vs. Malayan insurance which one is better

Hello! Which one is better kaya? Malayan insurance yung partner insurance provider ng bank ko naka lock in for 5yrs if ever sa kanila kukuha 19k+ annually. Then, yung bethel insurance naman ay 25k+ annually and may kilala naman ako nagwowork dun if ever I need to follow up.

I can't decide which one is better