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Term insurance application rejected

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08 Jan, 2023 by  Ajith Hegde

I'm 24 year old salaried employee with annual income of 10Lakh.I applied for Baja alliance term insurance through policy bazar, My application got rejected. Due to the health condition I have which is chronic pancreatitis. From past 8 years I'm NOT under any medication still it got rejected and no document was asked for more information.

What can I do to get a good term insurance? I need it since I'm the sole earner in family.

Kindly advise.

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1 Answer

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22 Jan, 2023
CEO, Insurance Samadhan

Dear Ajith

My comments

1. Go for a medical check up and submit medical reports alongwith proposal form .

2. Declare all past history along with documents if you have .

3. Apply for short term plan till age 50 .

4. Declare that your policy has been rejected .

5. Apply your case with ICICI/ HDFC / Msxlife because they have large numbers . Apply proportionate sum in all three , Declare that you are applying in three companies.


Hope this will suffice


Shailesh

Insurance Samadhan

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