Are there any term plans which do not have any exclusions for war, Adventure sports, narcotics etc.?

07 Nov, 2020 | by vivek.gala@iiml.org

Is it true that LIC and Tata AIA have Term plans with the only exclusion of Suicide in the first 12 months. Are there any other players which offer this?

Term Life Insurance

Purchase

2 Answer

Post

07 Nov, 2020

Team Beshak

We breathe insurance :)

Hey Vivek,

Term Plans do not have any exclusion on death benefit - except for suicide in the first year.
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

0 Comments

11 Nov, 2020

Shubham Aggarwal

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

1 Comments

11 Nov, 2020

Mahavir Chopra

Founder, Beshak

No, Shubham.

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