The young, educated, healthy well-off and non-smokers get better term covers than older, less educated, low-earning and smokers
Buy term. You must have read this a million times in these pages. If you are looking for a life insurance policy to protect your family against your untimely death, then the only product type to buy is a term insurance plan. But it may not be that easy to buy it. There are three possibilities that may play out when you try to: you may have to undergo additional medical tests or submit more documents, you may have to pay a higher premium, or in the worst case be denied insurance altogether.
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