Dear Clinton

There seems to be something wrong . It is not possible that your proposal is not accepted as per reasons below

1. At you age , you can get cover of 20 times of your income I.e upto rs 1.90 crore .
2. Max life will also ask for your Income tax return . Did you submit your ITR ?
3. Term insurance also demand your education level . Max life offer term to graduate and above . Did you declare your education
4. If you are graduate and file ITR then I can talk to Maxlife for acceptance of your Proposal .

Pl give me your Policy number

Hello Clinton,

• Yes, certain insurers do use pin codes to profile you as a customer - so this restriction is very much possible. From what we hear, the restrictions are only going to increase in the future. (Appealing to Ombudsman won't be helpful here if this is as per their approved underwriting policies.)
• We would recommend you immediately explore with another insurance company immediately. Do not delay beyond this month-end.

Hope this is useful.

Regards,

Team Beshak