Planning to buy term insurance?
Thing to remember which saves you a huge amount is your own fitness. Sharing my own experience.
I decided to buy term insurance policy and I contacted an agent after discussion n all I finalize the policy. The agent asked me for the medical test and basis on that they will issue the policy. After giving the sample I was waiting for the test reports. The amount was around 50k as per my policy plan and tenure.
Now surprisingly, I got to know that my sugar level is not normal so I have to pay 8k more just because of that sugar level detected in the report. I checked my sugar level randomly and it was normal. I argued with the agent for not paying the extra amount. He replied if I am not satisfied I can go for another test, but for that I have to pay test charges (Interesting).
Another interesting thing happened with me during that period was an accident which caused me injury on my face, due which I can't choose another test. Unfortunately I had to refuse the medical test and due to both of the things Unnecessarily I paid 58k and same I have to paid for further policy tenure.
Be careful if anyone is planning to buy the term policy make sure before giving the medical test prepare yourself fit and that saves you money.
Thank you
Thing to remember which saves you a huge amount is your own fitness. Sharing my own experience.
I decided to buy term insurance policy and I contacted an agent after discussion n all I finalize the policy. The agent asked me for the medical test and basis on that they will issue the policy. After giving the sample I was waiting for the test reports. The amount was around 50k as per my policy plan and tenure.
Now surprisingly, I got to know that my sugar level is not normal so I have to pay 8k more just because of that sugar level detected in the report. I checked my sugar level randomly and it was normal. I argued with the agent for not paying the extra amount. He replied if I am not satisfied I can go for another test, but for that I have to pay test charges (Interesting).
Another interesting thing happened with me during that period was an accident which caused me injury on my face, due which I can't choose another test. Unfortunately I had to refuse the medical test and due to both of the things Unnecessarily I paid 58k and same I have to paid for further policy tenure.
Be careful if anyone is planning to buy the term policy make sure before giving the medical test prepare yourself fit and that saves you money.
Thank you
