hi, a critical illness cover can be a rider benefit on a term insurance. I understand it. However, the above combination (critical illness + term insurance) can be a claim acceleration policy. I have no idea about what a claim acceleration policy is. Could you please compare a rider and a claim acceleration policy?
Critical illness policies are not examinable in ST2. However, the same question appears on the CA1 Forum, so if you are interested then please check out my reply there. Best wishes Mark