Should I get a standalone policies such as CI and Disability if I'm on a budget? I have life insurance with rider that I can claim CI OR permanent disability... but I'm worried as my dependents grow

First, get the budget sort out (and don't overstretch yourself for insurance budgets)

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Next, the existing life insurance with rider that you have might be sufficent for current stage (do check with your existing financial advisor to confirm the details).

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You will then need a holistic planning session with the financial advisor, to see which "gaps" you need, and the related products, no need to feel pressured along the way as these are to be addressed, but only at your comfort levels.

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Hi!

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If you're on a budget, you can buy a term plan then convert it after when you're on a better terms! However, do rmbr that your current health plays a v important part. 👍

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Feel free to drop me a pm if you still have any qns for clarification!