Should I get a CI term plan or whole life plan (Death/TPD/CI). I’m a fresh graduate doing a traineeship hence no stable income yet?

If you have no stable income, I think it is best not to purchase any insurance policy as you will need to regularly pay premiums otherwise the policy will lapse and you will lose the protection.

Try to understand about the various insurance products first, and know what each of them does and from there, understand what you truly need for protection. Do not buy it just because everyone is talking about the changes in CI definitions, but rather buy it on a needs basis (buy only if you need).

Insurance is a long term commitment and you should purchase a policy only if you have the financial stability to pay for the premiums for the whole policy term.

Don't be stressed with the new framework change.

Don't rush to buy insurance if you don't need it now. That's not how you should be doing financial planning.

LIA has already said the scope of coverage is not changing. In fact I would argue it may be better to wait. More defined and less ambiguous is good for both parties.

And if you have no stable income how are you going to pay for your policy? The worst is to buy and then lapse the policy because of cashflow issues. Then it doesn't matter you buy before or after the framework change.