Question 1

How did you arrive at these coverage amounts?

Accepted Answer

Helps you understand if the recommendation is needs-based or product-driven.

Question 2

What assumptions did you make about my income growth and expenses?

Accepted Answer

Advisers may project your future needs differently — confirm the logic matches your reality.

Question 3

Are there any gaps in my existing coverage that this addresses?

Accepted Answer

Ensures the recommendation complements rather than duplicates what you already have.

Question 4

What major exclusions should I be aware of?

Accepted Answer

Every policy has exclusions — knowing them upfront prevents surprises during claims.

Question 5

Are there waiting periods before I can claim?

Accepted Answer

Some policies have 90-day or longer waiting periods, especially for critical illness.

Question 6

How will my premiums change as I age?

Accepted Answer

Some plans increase premiums steeply after certain ages. Ask for a projection table.

Question 7

What happens if I can't afford premiums in the future?

Accepted Answer

Understand options like paid-up value, premium holidays, or policy loans.

Question 8

Is this a term or whole-life plan, and why this structure?

Accepted Answer

Term covers a period; whole-life lasts forever but costs more. Each suits different needs.

Question 9

What is the benefit period, and how long will payouts last if I can't work?

Accepted Answer

Some plans pay for only 2 years, others up to age 65 — the difference is enormous.

Question 10

Is this plan "own occupation" or "any occupation"?

Accepted Answer

Own-occupation means you can't do your specific job. Any-occupation means you can't do any job at all — much harder to claim.

Question 11

What is the claims process and average turnaround?

Accepted Answer

A smooth claims process matters as much as the coverage itself.

Question 12

How does this plan define "total permanent disability"?

Accepted Answer

Some insurers use narrower definitions that may make it harder to claim.

Question 13

For critical illness — how many conditions are covered, and are early-stage payouts included?

Accepted Answer

Plans range from 37 to 200+ conditions. Early CI payouts can help with treatment costs before full diagnosis.

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