Max Life : Riders for Critical Illness or Separate Standalone policy
first of all I would liek to thank the Beshak team for the Term Insurance ebook, it has been greatly helpful.
I was considering the Max Life Term plans and was confused between opting for the riders for critical illness or going for a standalone policy. The Beshal Guide recommends separate cover. But a comparison between the rider in the MAx Life Smart Term (and smart secure plus) policy and the Max Life stand-alone critical illness policy shows a higher premium for the stand-alone policy for a similar coverage.
Thereore request your help in providing additional clarifications on this. Are there insurance providers options you recommend considering ?
Many Thanks for the help.