22, on full uni scholarship with annual allowances. Already have a whole life (230k SA @1.3k/yr)+SAF GTL (200k). Is it a good idea to get a new whole life policy with early CI rider for purpose of the latter? What are my options and their pros/cons?

Similar thoughts with both Gabriels.

Option 1: add on a rider to your existing WL plan.

Pros: Limited pay, Lifetime coverage
Cons: More expensive compared to Term, Sum assured of your existing plan will decrease if you make a claim

Option 2: Stand alone CI plans

Pros: Cheaper, May allow for multiple claims
Cons: Pay till you do not want coverage

As a rule of thumb, you should cover ~10x your annual income for Death & Diability, and ~4-5x your annual income for CI (including ECI)

Check if you can add on a CI rider on your existing policies. It is much better in terms of trying to claim and also save you money.

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You might also want to evaluate if you really need 2 life policies that you currently hold.