Hi Below are my policies and in none of the policies I have declared about my smoking and drinking will this be a problem in furutre, if so and now if that I declare what will be additional premiums I would be paying and also is it retrospective or from the time I declare. Could you please advice. Also please let me know if I should go for a term plans if so which one do your suggest. Thanks in advance.
Insurace Policies
Company Type of Policy Sum Assured Nominee Premium Amount
Birla Sun Life Cash Back 300,000.00 Brother Monthly 1,135.00
ICICI Cash Back 100,000.00 Brother Yearly 6,761.00
LIC Cash Back 100,000.00 Mother Yearly 5,114.00
LIC Endowment 90,000.00 Wife Yearly 4,260.00
LIC Jeevan Chhaya 500,000.00 Daughter Monthly 2,687.00
LIC Endowment 110,000.00 Wife Yearly 4,243.00
LIC New Bhima Gold 500,000.00 Daughter Monthly 1,677.00
LIC Jeevan Rekha 300,000.00 Wife Yearly 15,639.00
Max Newyork Life Smart Steps Plus 240,000.00 Daughter Yearly 30,000.00
Max Newyork Life Life Insurance – Self Yearly 9,999.85