Riders vs. Standalone Policies
Adding a rider to your term plan feels like “supersizing” a meal, but is it enough to fill the stomach? In most cases, a standalone policy is the “second car” that provides far more competence than a “sidecar” rider.
- The Accelerated Trap: Why a Critical Illness rider might actually shrink your family’s death benefit.
- The Survival Period: How the fine print can lead to zero payout even after a major heart attack.
- Independent Payouts: Why keeping your life cover and health protection separate is the gold standard for safety.
Watch this video to see the “Convenience vs. Competence” debate and choose the right armour for your health.