Term insurance wth CI add on
Is it advisable to get CI addon with Term insurance ? I have few questions regarding the same..
1 - Are premiums for term+CI cover locked till insurance maturity? I know term insurance premium is locked for life but CI addon premium too is locked for life or it increases as per age?
2 - If in future I decide to drop CI cover and want to continue with Term Insurance only , would it be possible?
I am considering CI with term insurance because ICICI pruduentials CI add on with term insurance seems slightly cheaper than the standalone Critical Illness cover.