I have AIA Smart Growth (ii) 24. I've been paying roughly 60/month for the past 2 years. Can I add CI or other coverage on top of this plan or do I have to get other plans?

Hey there!

From a long term perspective, you might want to opt for a CI standalone plan or get a whole life plan with CI rider. Reason being that you'll want plans that can cover for you solely on protection. It makes the planning a lot easier too. The comprehensiveness will also differ if you get a standalone CI plan compared to you getting a rider on top of that plan.

Will probably need to find out where you're at and your reason for wanting to add CI coverage but do speak to someone trusted or your agent for your next course of action.
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You may wish to speak to your agent regarding an addition of rider to an existing policy.

However, do note that the coverage will be limited to the term of your policy, which is another 22 years. Thereafter, the coverage will stop.

With this in mind, if you are looking to cover yourself beyond the next 22 years, e.g. whole life, then it may be better to get a separate coverage.

In any case, I will suggest for you to speak with your agent or an experienced consultant to get specific advice based on your needs and future planning.

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