Learning Outcomes :
- Understand the coverage scope, stages, and definition of Critical Illness Riders, including early-stage, intermediate, and major CI structures.
- Identify suitable client profiles and financial needs for CI protection, and recommend appropriate rider combinations based on risk, age, and budget.
- Interpret CI rider terms and conditions such as waiting period, survival period, exclusions, multiple payout features, and claim triggers.
- Present and justify CI rider recommendations confidently, using real-life cases to explain the financial impact of critical illness and the importance of early protection.
