Hi All,
I have a question on the definition of \”illegal death\” for term insurances.
Aviva i-Life online term plan, covers the 360 degree of death (I got to know this from product specialist from Aviva) except the suicide commit with in one yr of taking policy.
I also checked the offline option from Aviva, the Branch head told me “if you are involved in any of the illegal activities and death occurs”, then this type of death is not covered.
So My doubt is on the discrepency between offline and online term plan.
According to me “illegal” is a very broad term.
1. Driving while consuming alcohol is also illegal
2. 6 people Travelling in a tourist taxi with 4+1 limit, is also illegal
3. Jumping traffic signal is also illegal.
So if death occurs, in the course of above illegal activities, then Aviva might reject the claim.
Please help me to clarify on my doubts.
Thanks,
Kapil