Is it true that if it is better if I choose other insurer with a standalone ci like Manulife ready care critical illness, than the axa term protector with an early critical illness rider?

Recently I just took up axa term protector with a early critical illness rider but came to think about it I should take axa term protector with a diff insurer standalone ci as my current plan if either one is claimed the rest will not be claimable and the policy will close. It’s like a early critical illness acelerrated rider. I understand there is critical illness plus benefit rider from axa to prevent this from happening is it true??