Tick off what to check before you buy a term plan and what your family needs to be able to claim.
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Use this checklist twice: once before you submit a term insurance proposal, and once a year to make sure your family could claim without delay.
The items in the proposal form group matter most. Under Section 45 of the Insurance Act, 1938, an insurer can question a policy on grounds of fraud or misstatement of a material fact during the first three years from issue or revival. Most avoidable claim rejections in this period trace back to undisclosed health conditions, tobacco use or other policies. Disclosing a condition may raise your premium or lead to a loading; hiding it can cost your family the whole claim.
The after issue items deal with the free-look period, the nominee and premium payment. A lapsed policy pays nothing, so set up auto-debit and know your grace period (commonly 30 days for yearly, half-yearly and quarterly modes, and 15 days for monthly mode; check your policy). Consider whether the policy should be written under the Married Women's Property Act, 1874, which must be chosen at the proposal stage.
The claim readiness items take ten minutes and can save your family weeks. Share the details with your nominee and keep them in one place. For the full process, read the claim process and IRDAI timelines and the term insurance buying checklist.
Claim Mistakes, Complaints and Official Sources
Main reasons Indian life insurance claims are repudiated, how Section 45 of the Insurance Act limits rejections after three years, and how to challenge a rejection.
Claim Mistakes, Complaints and Official Sources
Documents needed for a life insurance death claim in India for natural death, accident, hospital death, death abroad and missing persons, plus fixes for common mismatches.
Claim Mistakes, Complaints and Official Sources
How to take a rejected or delayed life insurance claim to the Insurance Ombudsman in India, who can complain, the ₹50 lakh limit, one-year deadline and what happens next.
Claim Mistakes, Complaints and Official Sources
How to make a life insurance death or maturity claim in India in 2026, step by step, the IRDAI settlement timelines, interest for late payment and where to escalate.
Claim Mistakes, Complaints and Official Sources
Spot mis-sold life policies in India, cancel within the free-look period, recognise fake bonus and refund calls, verify insurers and agents, and where to complain.
Cover Calculations and Buying Checklists
How Section 6 of the Married Women's Property Act, 1874 puts a term policy in trust for wife and children, keeps it from creditors, and what you give up.
