What’s the difference if I get a term insurance plan like AXA Term Protector covering death TPD and CI 3 in one and getting AXA Term Protector death and TPD while getting a stand-alone CI?

Hi Poor Bunny, Hariz Arthur Maloy's answer perfectly captures the difference between the two programs you are asking about.

Hi Anon,

Most CI riders on a term policy are accelerated riders. That means they reduce the death benefit upon a CI claim.

Getting a standalone CI plan allows you to claim it and not affect your existing death benefit term plan.

However this usually means a higher overall premium as well.