looking to buy term insurance.
Non-smoker
Self employed
From policybazaar and online I see these options
Maxlife - Best premium and overall plan
PNB met life - less cover
ICICI
Any experience with these companies? How they offer medical test?
Any other suggestion?
1.) I don't smoke but could living in polluted places create issue later? or to be safe should I select smoker?
2.) For income proof is ITR sufficient?
3. ) What about riders? like max is offering - waiver of premium if disabled or critical illness at just 10-20 extra per month? They also have free Terminal illness coverage and top up benefit.
Will these riders could become an issue later like some extra medical certificates required for claiming and stuff?
Non-smoker
Self employed
From policybazaar and online I see these options
Maxlife - Best premium and overall plan
PNB met life - less cover
ICICI
Any experience with these companies? How they offer medical test?
Any other suggestion?
1.) I don't smoke but could living in polluted places create issue later? or to be safe should I select smoker?
2.) For income proof is ITR sufficient?
3. ) What about riders? like max is offering - waiver of premium if disabled or critical illness at just 10-20 extra per month? They also have free Terminal illness coverage and top up benefit.
Will these riders could become an issue later like some extra medical certificates required for claiming and stuff?