Hey Vivek,

1. Term Plans do not have any exclusion on death benefit - except for suicide in the first year.
2. The exclusions of war, adventure sports, narcotics that you are seeing are applicable to riders like Disability, Accidental Death, Critical Illness etc.

Hope this clarifies!

Regards,

Team Beshak

If there is any natural disaster in India, can the insurance company reject the claim ? If buying the Term Plan.