iTERM INSURANCE PLAN

A life insurance plan that gives your family financial protection at among one of the lowest rates

GET A FREE QUOTE

 

Why buy this plan ?

iTerm is our online term plan which secures your family of the cover amount you choose against a monthly or annual premium. It is the one plan we recommend if you want to assure your loved ones of cost effective protection, if the worst were to happen.

Testimonials

Karthik

"Term life insurance is going to be the best for the individuals, among many term insurers Aegon Life is the best provider . Their quality of service on phone from tele representative, follow up of activities is top notch as I was just stopped paying high premiums of policy from state owned company. Aegon Life still needs to reach out larger population of India due to the ignorance of insurance through their promotion activities. I will definitely refer this to any other insurance seekers."  - MouthShut.com reviewer

Soumajit

"I got a Term insurance done from Aegon Life Insurance a few days ago. My experience has been superb since the day I expressed my interest. It being an online service you get everything done upon a few mouse clicks. The product was made available to me within an amazing short period." - MouthShut.com reviewer

Pavan

"I have bought the iTerm plan. Before buying this plan, I had lots of doubt and all were clarified in right way to understand. It was simple to buy policy online and it gives the cover upto 80 yrs of insurer's age. Response from customer care was quick and positive and always helpful. I would recommend to buy this policy."  - MouthShut.com reviewer

Prasana Kumar

"I did good research and found that Aegon Life the best one in this segment. Customer service is very good and clarified all my doubts. It satisfied all my needs. My suggestion is to buy it for whoever needs it, it is hassle free online buy, but please do check all details and make sure it satisfies your needs. I am very happy with Aegon Life so far. I am suggesting to my friends also for buying policy in online. Thank you AEGON LIFE team!"  - MouthShut.com reviewer

Praful Tripathy

"The starting point for this policy was getting the online quote, from here till the end I was very happy with the efficiency and speed of delivery. The quote was generated quickly on the website and I was able to see all the variables I that made an impact to the features and premium of the policy. The process was managed almost entirely online except the medical test which was done at home without any inconvenience for me to go anywhere. This was followed with an online submission of the requisite documents. Satisfied customer of this product thanks to the efficient, quick and clear process which is enabled by doing most of the work online."  - MouthShut.com reviewer

Susanta Polley

"Overall great experience! Low EMI compared to other companies, hassle free medical check up, can be arranged as per your convenience (can be done in office or house), and easy documentation. Prompt solutions provided by Aegon. Representative of every query! Overall hassle free and satisfying experience!" - MouthShut.com reviewer

Manoj Gupta

"Recently I bought Aegon Life iTerm plan online. Overall experience was so nice because of flexibility of policy. There are several options for everyones need. Most important thing is Aegon deliver, what they promise. Medical procedure is easy, transparent and they share all the finding." - MouthShut.com reviewer

Keithal Vares

"I was skeptical on buying a policy online, but this was really simple and fast. After doing my research I finalized on Aegon Life. The experience was hassle free. They rescheduled my medical test as per my convenience and the doctor came on time and took my test. Was also kept posted on the status of my policy and within a week my policy was issued." Wonderful!  - MouthShut.com reviewer

Mr. Dixit

"Only one word for Aegon is "Excellent service". My policy conversion was extremely smooth.I would highly recommend Aegon Life .The way they are providing customer service will maed them top insurer. Even premium rates are very cheap. Personalised customer service is also very nice.Best part that after the next day of conversion of my policy I received my policy bond."  - MouthShut.com reviewer

Anchal Bhatt Vinayak

"Excellent Products and prompt service.Buying policy from Aegon Life is one of the best experience. One should go and read the values of the company. They are adhere to it. The response of their sales executive are excellent. There product explanation are very good. It was my third experience of buying insurance policy but now I can say that if in future if a want to buy any new policy first I will move to Aegon Life. Touched by their customer service."  - MouthShut.com reviewer

Next step

You can keep your family secure by just spending a few minutes to fill out a simple step-by-step form. Keep the following documents ready before you fill the form.

 
Passport size photograph
 
Identity Proof
 
Address Proof
 
Age Proof
 
Income Proof
 
Bank Proof

Once you fill the form and pay your premium we will guide you through the next steps which may include a medical check. If you have any difficulty, click on the call button anytime. You will receive a call from us to help you with any query.

FAQ's

iterm itermiTerm Plan

If I wish to change the nominee details on the policy how can I do the same?

Please contact our customer care toll free number- 1800-209-9090 (8.30am to 8.30pm) or you can send an e-mail on customer.care@aegonlife.com with respect to the change.

What is the protocol that the medical examiner is expected to follow for drawing blood samples?

The medical/ paramedical examiner has to follow the following basic protocol. Use a pair of sterile gloves per procedure or patient Use a single-use device (a needle and syringe is a single unit/ Vacutainer for blood sampling and drawing Discard the needle and syringe immediately into a container. Physical destruction of the needle and syringe will be done at the diagnostic center as per “bio-medical waste” guidelines Disinfect the skin at the venepuncture site Place laboratory sample tubes in a sturdy rack before injecting into the rubber stopper Should you notice any deviation to this protocol, you reserve the right to refuse to undergo the medical examination. You are requested to report any such practice observed by writing to customer.care@aegonlife.com

What if, I am already insured under a Group Insurance Scheme by my employer? Should I buy a Term Plan?

It is always prudent to buy an individual Life Insurance policy because a). The insurance amount you are covered for may not be enough. b). The policy cover lasts till you are associated with the employer. c). The older you get, the higher is the premium.

I have received my policy document. For further assistance please let me know whom do I contact?

You can contact us on our toll free no 1800-209-9090 or you can write to us at customer.care@aegonlife.com

Can I make any changes to the Policy Term or Sum Assured after the policy is issued?

Once the policy is issued changes related to the Policy Term or Sum Assured cannot be processed. You can re-apply for a fresh policy with the desired term or Sum Assured.

What are the documents required to apply for a claim?

The Company would seek the following primary documents in support of a claim to enable processing of the claim intimated by the nominee under the Policy: I. Original Policy Document II. Death Certificate issued by the local authority III. Certificate of the Doctor / Medical Officer certifying the cause of death IV. Claimant’s Statement V. The Company is entitled to call for additional documents or information for processing of the claim depending on the cause of claim.

What is the difference between buying a Term Plan Online vs. Offline?

Buying a term plan online is one of the cheapest modes to buy insurance as it saves your time and money. The online term plans are available at approximately 30 to 40 percent lower premiums compared to offline term plans. Offline term plans are costlier due to distribution costs associated with the same whereas, these costs are absent in an online term plan and as such the benefit of the same is passed on to the policy holders in terms of lower premiums. All other benefits remain the same for both online and offline customers. The same service and benefits are applicable to both.

Can I take the iTerm plan for my wife, if she is not working?

Yes, if you are an existing iTerm policy holder or if you take a new iTerm from Aegon Life you can get the cover for your wife even if she is not working. The maximum coverage will be upto 50% of Husband coverage or Rs.1 Cr whichever is lower and is subject to financial eligibility of Husband & underwriting rules of the company. For more details please get in touch with our customer service executive on our Toll Free Number 1800-120-1234.

If I forget to attach rider(s) while applying for the policy, can I attach it / them later after my policy is issued?

The rider can be added anytime during the Policy Term and the rider can be detached from the next premium due date after the request has been made. Addition of riders will be subject to underwriting requirements. Please contact our customer care toll free number- 1800-209-9090 (8.30am to 8.30pm) for more details.

Where does a nominee apply for a claim?

Nominee can intimate directly to the company’s registered address or any branch offices in writing or log onto www.aegonlife.com to make online claim intimation.

Is it safe to make payments online?

Aegon Life.com ensures that every transaction you conduct online is in a safe and secure environment. To achieve this, Aegon Life.com is protected by Secured Socket Layer (SSL) technology by VeriSign, the leaders in encryption technology. The process of encryption takes your credit card information and converts it into bits of code that are securely transmitted over the Internet. This scrambled data cannot be read as the information travels over the Internet. Aegon Life doesn’t store any Credit/Debit card, Internet banking related information from the customer.

Disclaimers

Product Name:Aegon Life iTerm Insurance Plan UIN 138N016V04 For more details on terms and conditions, please read the sales brochure carefully before concluding a sale.

Who performs the medical exam?

A licensed paramedical examiner (such as a nurse, lab technician etc) or a medical examiner (MBBS, MD etc) will typically conduct the exam. These paramedical/ medical examiners work independently and are not direct employees of ALI. However, they are associated with a particular diagnostic center and must always display their identity card (of their association with the lab/ diagnostic center). As a part of the identification process and for security reasons, please insist on seeing the identity card of the person visiting/ performing the medical examination in a home facility. Should the examiner refuse to show the ID card; you reserve the right to refuse the medical examination.

How soon does a claim get settled?

Our objective is to settle claims as early as possible and you would be glad to know that after receiving the necessary documents we take not more than 6 working days to settle a claim.

What amount of Insurance Cover should I opt for ?

It is said that a good estimate for calculating your insurance amount should be 8-10 times of the gross yearly income. Although this a good rule of thumb but at the same time, it is also an oversimplified way of calculation. This calculation does not factor in the life style or debts of the insured, as different people have varying lifestyle and different amount of debt to repay. Use our simple and effective calculator to check your ideal insurance amount!

How much does the medical exam cost and who pays for it?

ALI pays for the medical exam to the medical service provider. There is no cost to you.

How do I ensure a hassle-free claim experience my dependants?

Following are the points that need to be kept in mind to ensure a hassle-free claim experience: I. Double-check details with regard to your nominee. II. Ensure that your nominee knows the details of your policy such as sum assured, policy term. III. Also keep your policy bond in a safe place and ensure that your nominee knows where the original policy bond is stored. IV. Pay your premiums regularly so that Policy is in force.

What should be the duration (term) of my policy?

Ideally, the term of your policy should be equal to the number of years your family will be dependent on you financially.

What is included in the medical exam and how long will it take?

A routine medical exam includes the following:- Basic physical exam (height, weight, blood pressure, pulse) is conducted Urine specimen may be collected on some occasions Blood samples may also be taken Some cases may also require ECGs and/or Treadmill ECGs (stress tests) The exam is usually completed within 30 minutes.

What is my Policy Number?

The quote number for which you have made the payment is your Policy number.

Who is a Nominee?

A nominee is a person who is eligible to receive the coverage amount from insurance policy in the event of death of the applicant.

What kind of medical history will be asked?

The examiner will ask questions regarding medical conditions, surgeries, medications, or other treatments you may have had. The examiner will also ask the names and addresses of physicians and/or hospitals that have treated you (if applicable). You may wish to have this information handy to save time during the exam.

Can I submit my past medical reports?

You can submit the past medical reports however post reviewing the same we will confirm whether we can consider the same or not.

What does my nominee receive after my death?

If death takes place during the term of the insurance policy, then the nominee receives the sum assured under the plan.

What happens with my medical exam information?

All information obtained during the medical exam is strictly confidential and is sent directly to the Company for the purpose of risk assessment. Assessment is done by trained professionals at Aegon Life office.

If I wish to include critical information about my lifestyle/family history/past medical history which I had missed updating while purchasing the plan. How do I add them on the proposal form?

We request you to be careful while filling the proposal form as this information is very critical for Risk assessment & decision on the policy. However if you miss out any information, please write to customer.care@aegonlife.com with the details.

Will my premium amount change during the tenure of the policy after I have bought the plan?

Once the policy is issued, Premium will remain the same for the entire tenure of the policy. This is subject to service tax regulations as declared by the Government of India.

Where and when will the life insurance medical exam take place?

One of the life insurance company's authorised representatives will call you to schedule an appointment. The medical will be conducted by an approved paramedical/ medical examiner. You may additionally receive a call from such examiner/ diagnostic centre to confirm the appointment and also to brief you on the examination process. To meet your needs, the medical exam may be performed at your home, office, or at the diagnostic centre. The authorised representative will inform you of the examination location in advance.

How do I opt for ECS facility for Renewal premium payments?
You can courier an original copy of the cancelled cheque along with the original ECS MANDATE FORM, which is available on the website to Aegon Life Insurance, Building no.3, Third floor, Unit no.1, Nesco IT Park, Western Express Highway, Goregaon (East), Mumbai 400 063
If I reside abroad and I am working there for a couple of years after I purchase the plan will I be covered?

In case you are a frequent traveller to foreign locations, you need to just disclose the same in the form with respect to the ‘travel question'. You do not need to inform the company of your travel abroad unless you have already got an offer or work permit and are in the process of migrating while applying for the policy.

Will I get a copy of the test results?

Yes. Soft Copy of the test results will be made available to you.

What is a Term Plan?

A Term plan is a pure protection life insurance plan: In case of death of the Life Assured during the policy duration, the guaranteed insurance coverage amount (Sum Assured) is paid to the nominee. No benefit is payable in case the Life Assured survives the complete duration of the policy (Policy Maturity) These plans are highly cost effective, and provide a high life insurance cover in return of a comparatively smaller premium amount.

Once I have uploaded my documents on the website, do I also need to courier the same?

You have the option of either uploading your documents on the website or sending it via courier to us.

If I take the citizenship of another country after I purchase the plan will I be covered?

Post applying for the plan if one is travelling abroad or attains an NRI status, the cover from the term plan will still be applicable.

How to prepare for your medical exam?

To obtain the best possible results from your life insurance medical exam, we suggest that you follow these basic steps: Have your photo identification available Please wear a short-sleeved garment or one with sleeves that easily roll up Try to fast for at least eight hours before your exam (12 hours is preferred). You may drink water The best time to do your exam is in the morning. Drink a glass of water an hour or so before the exam to facilitate obtaining a urine specimen Avoid coffee, soda, tea or other products with caffeine for several hours before the exam Avoid smoking or chewing tobacco for at least one hour prior to your scheduled appointment Avoid alcoholic beverages for at least 24 hours prior to the exam Avoid nasal decongestants If you require a large blood pressure cuff, let the examiner know prior to the appointment Get a good night's rest before the medical exam Schedule the appointment for the least stressful time of the day Do not engage in strenuous exercise for 24 hours before the exam Prepare in advance for questions regarding medical conditions, surgeries, medications, or other treatments you may have had. The examiner will also ask you for the names and addresses of physicians and/or hospitals that have treated you.

Why should I buy a Term Plan?

Term plans are best suited for working individuals who have dependents (children, parents) and are looking for a considerable amount of protection against uncertainties of life (death) at a fairly low price. The basic purpose of a Term plan is to provide financial security for the applicant and his/her family.

Will I get any intimation for my renewal payments?

28 days prior to the Premium due date we will post the renewal letter to you. 7 days prior to the Premium due date, an email notification will also be sent to the registered Email id. Along with this you will also receive a SMS & call from Aegon Life.

Contact Us

Disclaimer

Beware of spurious phone calls and fictitious/fraudulent offers. IRDAI Clarifies to public that
- IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
- IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge police complaint along with details of phone call, number.

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*By submitting my contact details I authorize Aegon Life Insurance to Call or SMS me with reference to this enquiry. This overrides the DND registration.

Trade logo displayed belongs to M/s AEGON N.V. and M/s Bennett, Coleman and Company Limited and used by Aegon Life Insurance Company Ltd. under trade agreement.

Aegon Life Insurance Company Limited. Registration Number: 138. Registered office: Building No. 3, Third Floor, Unit No. 1, Nesco IT Park, Western Express Highway, Goregaon (East), Mumbai- 400063 Tel: +91 2261180100 | Fax: 02261180300 | e-mail: customer.care@aegonlife.com | Website : www.aegonlife.com | Corporate Identity No. : U 66010MH2007PLC169110

iterm itermiTerm Plan

If I wish to change the nominee details on the policy how can I do the same?

Please contact our customer care toll free number- 1800-209-9090 (8.30am to 8.30pm) or you can send an e-mail on customer.care@aegonlife.com with respect to the change.

What is the protocol that the medical examiner is expected to follow for drawing blood samples?

The medical/ paramedical examiner has to follow the following basic protocol. Use a pair of sterile gloves per procedure or patient Use a single-use device (a needle and syringe is a single unit/ Vacutainer for blood sampling and drawing Discard the needle and syringe immediately into a container. Physical destruction of the needle and syringe will be done at the diagnostic center as per “bio-medical waste” guidelines Disinfect the skin at the venepuncture site Place laboratory sample tubes in a sturdy rack before injecting into the rubber stopper Should you notice any deviation to this protocol, you reserve the right to refuse to undergo the medical examination. You are requested to report any such practice observed by writing to customer.care@aegonlife.com

What if, I am already insured under a Group Insurance Scheme by my employer? Should I buy a Term Plan?

It is always prudent to buy an individual Life Insurance policy because a). The insurance amount you are covered for may not be enough. b). The policy cover lasts till you are associated with the employer. c). The older you get, the higher is the premium.

I have received my policy document. For further assistance please let me know whom do I contact?

You can contact us on our toll free no 1800-209-9090 or you can write to us at customer.care@aegonlife.com

Can I make any changes to the Policy Term or Sum Assured after the policy is issued?

Once the policy is issued changes related to the Policy Term or Sum Assured cannot be processed. You can re-apply for a fresh policy with the desired term or Sum Assured.

What are the documents required to apply for a claim?

The Company would seek the following primary documents in support of a claim to enable processing of the claim intimated by the nominee under the Policy: I. Original Policy Document II. Death Certificate issued by the local authority III. Certificate of the Doctor / Medical Officer certifying the cause of death IV. Claimant’s Statement V. The Company is entitled to call for additional documents or information for processing of the claim depending on the cause of claim.

What is the difference between buying a Term Plan Online vs. Offline?

Buying a term plan online is one of the cheapest modes to buy insurance as it saves your time and money. The online term plans are available at approximately 30 to 40 percent lower premiums compared to offline term plans. Offline term plans are costlier due to distribution costs associated with the same whereas, these costs are absent in an online term plan and as such the benefit of the same is passed on to the policy holders in terms of lower premiums. All other benefits remain the same for both online and offline customers. The same service and benefits are applicable to both.

Can I take the iTerm plan for my wife, if she is not working?

Yes, if you are an existing iTerm policy holder or if you take a new iTerm from Aegon Life you can get the cover for your wife even if she is not working. The maximum coverage will be upto 50% of Husband coverage or Rs.1 Cr whichever is lower and is subject to financial eligibility of Husband & underwriting rules of the company. For more details please get in touch with our customer service executive on our Toll Free Number 1800-120-1234.

If I forget to attach rider(s) while applying for the policy, can I attach it / them later after my policy is issued?

The rider can be added anytime during the Policy Term and the rider can be detached from the next premium due date after the request has been made. Addition of riders will be subject to underwriting requirements. Please contact our customer care toll free number- 1800-209-9090 (8.30am to 8.30pm) for more details.

Where does a nominee apply for a claim?

Nominee can intimate directly to the company’s registered address or any branch offices in writing or log onto www.aegonlife.com to make online claim intimation.

Is it safe to make payments online?

Aegon Life.com ensures that every transaction you conduct online is in a safe and secure environment. To achieve this, Aegon Life.com is protected by Secured Socket Layer (SSL) technology by VeriSign, the leaders in encryption technology. The process of encryption takes your credit card information and converts it into bits of code that are securely transmitted over the Internet. This scrambled data cannot be read as the information travels over the Internet. Aegon Life doesn’t store any Credit/Debit card, Internet banking related information from the customer.

Disclaimers

Product Name:Aegon Life iTerm Insurance Plan UIN 138N016V04 For more details on terms and conditions, please read the sales brochure carefully before concluding a sale.

Who performs the medical exam?

A licensed paramedical examiner (such as a nurse, lab technician etc) or a medical examiner (MBBS, MD etc) will typically conduct the exam. These paramedical/ medical examiners work independently and are not direct employees of ALI. However, they are associated with a particular diagnostic center and must always display their identity card (of their association with the lab/ diagnostic center). As a part of the identification process and for security reasons, please insist on seeing the identity card of the person visiting/ performing the medical examination in a home facility. Should the examiner refuse to show the ID card; you reserve the right to refuse the medical examination.

How soon does a claim get settled?

Our objective is to settle claims as early as possible and you would be glad to know that after receiving the necessary documents we take not more than 6 working days to settle a claim.

What amount of Insurance Cover should I opt for ?

It is said that a good estimate for calculating your insurance amount should be 8-10 times of the gross yearly income. Although this a good rule of thumb but at the same time, it is also an oversimplified way of calculation. This calculation does not factor in the life style or debts of the insured, as different people have varying lifestyle and different amount of debt to repay. Use our simple and effective calculator to check your ideal insurance amount!

How much does the medical exam cost and who pays for it?

ALI pays for the medical exam to the medical service provider. There is no cost to you.

How do I ensure a hassle-free claim experience my dependants?

Following are the points that need to be kept in mind to ensure a hassle-free claim experience: I. Double-check details with regard to your nominee. II. Ensure that your nominee knows the details of your policy such as sum assured, policy term. III. Also keep your policy bond in a safe place and ensure that your nominee knows where the original policy bond is stored. IV. Pay your premiums regularly so that Policy is in force.

What should be the duration (term) of my policy?

Ideally, the term of your policy should be equal to the number of years your family will be dependent on you financially.

What is included in the medical exam and how long will it take?

A routine medical exam includes the following:- Basic physical exam (height, weight, blood pressure, pulse) is conducted Urine specimen may be collected on some occasions Blood samples may also be taken Some cases may also require ECGs and/or Treadmill ECGs (stress tests) The exam is usually completed within 30 minutes.

What is my Policy Number?

The quote number for which you have made the payment is your Policy number.

Who is a Nominee?

A nominee is a person who is eligible to receive the coverage amount from insurance policy in the event of death of the applicant.

What kind of medical history will be asked?

The examiner will ask questions regarding medical conditions, surgeries, medications, or other treatments you may have had. The examiner will also ask the names and addresses of physicians and/or hospitals that have treated you (if applicable). You may wish to have this information handy to save time during the exam.

Can I submit my past medical reports?

You can submit the past medical reports however post reviewing the same we will confirm whether we can consider the same or not.

What does my nominee receive after my death?

If death takes place during the term of the insurance policy, then the nominee receives the sum assured under the plan.

What happens with my medical exam information?

All information obtained during the medical exam is strictly confidential and is sent directly to the Company for the purpose of risk assessment. Assessment is done by trained professionals at Aegon Life office.

If I wish to include critical information about my lifestyle/family history/past medical history which I had missed updating while purchasing the plan. How do I add them on the proposal form?

We request you to be careful while filling the proposal form as this information is very critical for Risk assessment & decision on the policy. However if you miss out any information, please write to customer.care@aegonlife.com with the details.

Will my premium amount change during the tenure of the policy after I have bought the plan?

Once the policy is issued, Premium will remain the same for the entire tenure of the policy. This is subject to service tax regulations as declared by the Government of India.

Where and when will the life insurance medical exam take place?

One of the life insurance company's authorised representatives will call you to schedule an appointment. The medical will be conducted by an approved paramedical/ medical examiner. You may additionally receive a call from such examiner/ diagnostic centre to confirm the appointment and also to brief you on the examination process. To meet your needs, the medical exam may be performed at your home, office, or at the diagnostic centre. The authorised representative will inform you of the examination location in advance.

How do I opt for ECS facility for Renewal premium payments?
You can courier an original copy of the cancelled cheque along with the original ECS MANDATE FORM, which is available on the website to Aegon Life Insurance, Building no.3, Third floor, Unit no.1, Nesco IT Park, Western Express Highway, Goregaon (East), Mumbai 400 063
If I reside abroad and I am working there for a couple of years after I purchase the plan will I be covered?

In case you are a frequent traveller to foreign locations, you need to just disclose the same in the form with respect to the ‘travel question'. You do not need to inform the company of your travel abroad unless you have already got an offer or work permit and are in the process of migrating while applying for the policy.

Will I get a copy of the test results?

Yes. Soft Copy of the test results will be made available to you.

What is a Term Plan?

A Term plan is a pure protection life insurance plan: In case of death of the Life Assured during the policy duration, the guaranteed insurance coverage amount (Sum Assured) is paid to the nominee. No benefit is payable in case the Life Assured survives the complete duration of the policy (Policy Maturity) These plans are highly cost effective, and provide a high life insurance cover in return of a comparatively smaller premium amount.

Once I have uploaded my documents on the website, do I also need to courier the same?

You have the option of either uploading your documents on the website or sending it via courier to us.

If I take the citizenship of another country after I purchase the plan will I be covered?

Post applying for the plan if one is travelling abroad or attains an NRI status, the cover from the term plan will still be applicable.

How to prepare for your medical exam?

To obtain the best possible results from your life insurance medical exam, we suggest that you follow these basic steps: Have your photo identification available Please wear a short-sleeved garment or one with sleeves that easily roll up Try to fast for at least eight hours before your exam (12 hours is preferred). You may drink water The best time to do your exam is in the morning. Drink a glass of water an hour or so before the exam to facilitate obtaining a urine specimen Avoid coffee, soda, tea or other products with caffeine for several hours before the exam Avoid smoking or chewing tobacco for at least one hour prior to your scheduled appointment Avoid alcoholic beverages for at least 24 hours prior to the exam Avoid nasal decongestants If you require a large blood pressure cuff, let the examiner know prior to the appointment Get a good night's rest before the medical exam Schedule the appointment for the least stressful time of the day Do not engage in strenuous exercise for 24 hours before the exam Prepare in advance for questions regarding medical conditions, surgeries, medications, or other treatments you may have had. The examiner will also ask you for the names and addresses of physicians and/or hospitals that have treated you.

Why should I buy a Term Plan?

Term plans are best suited for working individuals who have dependents (children, parents) and are looking for a considerable amount of protection against uncertainties of life (death) at a fairly low price. The basic purpose of a Term plan is to provide financial security for the applicant and his/her family.

Will I get any intimation for my renewal payments?

28 days prior to the Premium due date we will post the renewal letter to you. 7 days prior to the Premium due date, an email notification will also be sent to the registered Email id. Along with this you will also receive a SMS & call from Aegon Life.