Was thinking to get an AXA death and TPD term insurance with an additional accelerated CI rider or should I get term with a standalone multi claim CI as accelerated CI rider doesn’t have multi claim?

It depends on your needs and planning for the future. Generally, a multi-claim critical illness insurance policy will be more expensive as compared to a single-claim policy or rider.

Thus, we will need to look at your existing portfolio, situation, and goals for the long-term. This will help us to optimise your budget and get the correct level of insurance coverage that you need for the long-term.

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Hi there. Which combination you should take up depends on what your focus is on and what your situation is, if you have many dependants etc. I'm guessing you are looking at both death and CI coverage mainly.

My suggestion is to get term and CI separately, as a standalone CI plan will cover early and intermediate stages with multi-claims for both stages. If you have budget constraints then term and accelerated CI will be the best option.

I cover AXA as well aside from 8 other companies. You can have a casual chat with me here if you like to find out more.