Premium Isn't a Worry

The low premium rates of on line term plans make many apprehensive. The premium is low due to two factors. One, there is no intermediary. Two, the buyer is perceived as low risk as he is educated.

Servicing is the Same

The online cus tomer receives the same quali ty of service from the insurance company as any other client. The difference is only in the channel through which the policy has been bought.

Premium can Change

The quote is based on the assumption that you carry normal risk. When you submit your details and pay the premium, the cover starts, but is subject to your medical tests and actuarial screening.

Remember to Renew

With no agent running after you for renewal, there is a good chance that the customer will forget to renew his insurance. Once the policy lapses, you will have to buy afresh at a higher premium.

Don't Hide Facts in Form

Not revealing crucial facts relating to health, social habits and existing policies can jeopardise your cover. If the insurer finds out that a policyholder concealed information, the claim will be rejected.