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Need Guidance on TROP(Term with Return of Premium) PLAN vs iTERM PLAN

Hello,

I am willing to have a good term insurance plan of at least 75lacs.I was thinking about to get Online Agon Religare iTerm plan.What precautions should I take while declaring/filling/getting checked by their doctors team to make sure that the claim is settled/not rejected in any circumstances in future.Its sure that evrything they asked will be cleared truly in no doubt.But I want to know of there can be any loop holes for which they may reject the claim after death in case.I want to make sure that the nominee should not have an worry if in case.

Thanks,Sona.

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