How can i better plan my life Insurance with CI coverage?

Hi there, just to summarise your current coverage is as follows:

• death, tpd, ti, ci = $240k + $50k = $290k
• hospital plan with rider (you'll be keeping this I presume)

1) whole life plan is cheaper than term plan coverage until 100yo (you can add up the total premiums payable for both plans to confirm this)
2) is $290k coverage enough? Say in the event of death, if your family needs $2k monthly expenses, $290k can sustain them for 12 years. In the event of critical illness, your GE plan covers your hospital bills, but you can't work and maybe need to hire caregiver. So maybe you'll need about $1.5k monthly. $290k can last you for about 16 years (some CI like Alzheimer's will take this long).

So personally I feel that giving up a whole life plan to take a term plan covering until 100yo doesn't make sense. But if $290k coverage isn't enough, can consider taking a term plan for 20years (like for extra family expenses when children are young). This add on is cheaper than adding on a whole life plan.

A Term to 100 with CI will cost more than your WL plan. This new post comes in handy. https://www.sgbudgetbabe.com/2019/05/critical-i...&fbclid=IwAR05UKddYPb9USfNp0m53yLyKRFzc4w_v4Qyq-QAIWxzAEKq-KUX6AgaKZ4

AIA Critical Cover covers ECI as well and is yours till 75 or 100?