Dear Chaitanya,

Insurer from time to time keep updating underwriting norms which could be for a shorter time frame like mentioned upto March 2023 or even may be for a longer term at times. Since Underwriting norms are very fluid they don't find mention in policy documents. Trust the advisor he/she would not want to have a negative feedback, incase there is loading charged to you... there is always an option to say no and get full refund.

Regards

Rohit Dhingra