Dear B. M.

Term Insurance is surely one of the most prudent instruments towards your goal of financial freedom.

1. Accidental death and disability rider is offered by almost all insurance cos in India. Rider coverage or max amt of cover may differ from company to company.

2. Most insurers combine the accident death rider and disability rider, but few companies offer it separately as well. For example, icici, hdfc offer combined rider, while Tata AIA offers the riders separately.

3. All insurance cos particularly private insurers have an extensive and robust IT and branch network. You can resolve most service related matter by reaching the insurer from anywhere through electronic medium or via their helpline.

Alternately you can branch offices anywhere in the country.

Regards,

Sankalp Sengar

Co-Founder, Conflux Advisors

Dear B.M

My compliments for taking right decision of buying term insurance with accidental and critical illness rider .

My comments on your queries :

1. Accidental rider is available with all insurance companies. It covers accidental death as well as permanent disability. Sum assured can not exceed basic sum assured of term insurance .

2. In case of accidental death , family get both term cover plus rider cover .

3. You can buy sepearte cover from general insurance provider . Cover is more important than deciding to buy from life or general . Both are equally good and uniformly priced .

4. Your address does not matter unless you are staying in some terror affected areas . There are some negative zones .

Choose a good advisor who is licensed with vintage of more than 3 years .

Best wishes

Hello BM,

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