The Right Way To Make Your Life Insurance Claims (Bengali)

Life Insurance āĻāĻ•āϜāύ⧇āϰ āĻœā§€āĻŦāύ⧇ āϖ⧁āĻŦ āϗ⧁āϰ⧁āĻ¤ā§āĻŦāĻĒā§‚āĻ°ā§āĻŖ āĻāĻ•āϟāĻž āĻŦāĻŋāώāϝāĻŧāĨ¤ āĻ…āĻĨāϚ āĻāχ āϗ⧁āϰ⧁āĻ¤ā§āĻŦāĻĒā§‚āĻ°ā§āĻŖ āĻŦāĻŋāώāϝāĻŧāϟāĻž āύāĻŋāϝāĻŧ⧇ āϏāĻ āĻŋāĻ• āϧāĻžāϰāύāĻžāϰ āĻ…āĻ­āĻžāĻŦ⧇ āĻŦ⧇āĻļāĻŋāϰāĻ­āĻžāĻ— āĻŽāĻžāύ⧁āώ āĻŦ⧇āĻļ āĻŦāĻŋāĻĒāĻĻ⧇ āĻĒāϰ⧇ āϝāĻžāύāĨ¤ Life Insurance āϕ⧋āύ Investment āύāϝāĻŧ, Life Insurance āĻšāϞ Family āϰ āϜāĻ¨ā§āϝ Financial ProtectionāĨ¤ āϖ⧁āĻŦ Simple āĻ­āĻžāĻŦ⧇ āĻŦāϞāϞ⧇ āĻŦāϞāĻž āϝāĻžāϝāĻŧ āϝ⧇ Life Insurance āĻšāϞ āĻāĻ•āϟāĻž Contact āĻŦāĻž āϚ⧁āĻ•ā§āϤāĻŋ, āϝāĻžāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻāĻ•āϜāύ āĻŦā§āϝāĻ•ā§āϤāĻŋ āϤāĻžāϰ Life āĻāϰ Financial Risk Premium Payment āĻāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻāĻ•āϟāĻŋ Insurance Company āϕ⧇ Transfer āĻ•āϰ⧇āĨ¤ āĻāĻŦāĻ‚ āĻ“āχ Insurance Company āĻ“ āĻ“āχ āϚ⧁āĻ•ā§āϤāĻŋ āĻŦāĻž Contact āĻāϰ āĻŽāĻžāĻ§ā§āϝāĻŽā§‡ āĻĒā§āϰāϤāĻŋāĻļā§āϰ⧁āϤāĻŋ āĻŦāĻ§ā§āϝ āĻšāϝāĻŧ āϝ⧇ āϝāĻĻāĻŋ āϕ⧋āύ āĻ•āĻžāϰāϪ⧇ Policy Period āĻāϰ āĻŽāĻ§ā§āϝ⧇ āĻ“āχ āĻŦā§āϝāĻ•ā§āϤāĻŋāϰ āĻŽā§ƒāĻ¤ā§āϝ⧁ āĻšāϝāĻŧ āϤāĻžāĻšāϞ⧇ Insurance Company āĻ“āχ Risk Coverage Amount āĻŦāĻž Sum Assured āύāĻŋāĻ°ā§āĻĻāĻŋāĻˇā§āϟ āĻ•āϰ⧇ āϰāĻžāĻ–āĻž Nominee āϕ⧇ Transfer āĻ•āϰāĻŦ⧇āύāĨ¤ 

āϏāĻžāϧāĻžāϰāĻŖ āĻ­āĻžāĻŦ⧇ Insurance Company āĻĨ⧇āϕ⧇ āĻĻ⧁āĻ­āĻžāĻŦ⧇ Claim āĻĒāĻžāĻ“āϝāĻŧāĻž āϝāĻžāϝāĻŧāĨ¤ āĻāĻ•āϟāĻž Death Claim āφāϰ āĻāĻ•āϟāĻž Maturity ClaimāĨ¤ 

Death Claim

āϝāĻžāϰ āύāĻžāĻŽā§‡ Policy āύ⧇āĻ“āϝāĻŧāĻž āĻšāϝāĻŧ⧇āϛ⧇ āϤāĻŋāύāĻŋ āϝāĻĻāĻŋ āϝ⧇ āϕ⧋āύ āĻ•āĻžāϰāϪ⧇āχ āĻšāĻ• āĻŽāĻžāϰāĻž āϜāĻžāύ āϤāĻžāĻšāϞ⧇ āϝ⧇ āĻĒāϰāĻŋāĻŽāĻžāĻŖ Risk Coverage āϤāĻžāϰ āύāĻžāĻŽā§‡ āύ⧇āĻ“āϝāĻŧāĻž āĻšāϝāĻŧ⧇ āĻ›āĻŋāϞ āϏ⧇āϟāĻž āϤāĻžāϰ āύāĻŋāĻ°ā§āĻĻāĻŋāĻˇā§āϟ āĻ•āϰ⧇ āĻĻ⧇āĻ“āϝāĻŧāĻž Beneficiary āĻĻāĻžāĻŦāĻŋ āĻ•āϰāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύ, āĻāϟāĻžāϕ⧇āχ āĻŦāϞāĻž āĻšāϝāĻŧ Death ClaimāĨ¤ 

Procedure To Make A Death Claim

  1. Policy Holder āĻāϰ Death āĻšāϞ⧇ Insurance Company āϕ⧇ āϏ⧇āϟāĻž āϜāĻžāύāĻžāϤ⧇ āĻšāĻŦ⧇āĨ¤ āĻāĻŦāĻžāϰ Insurance āĻāϰ āύāĻŋāϝāĻŧāĻŽ āĻ…āύ⧁āϏāĻžāϰ⧇ Death āϕ⧇ āĻĻ⧁āĻŸā§‹ āĻ­āĻžāĻŦ⧇ āĻĻ⧇āĻ–āĻž āĻšāϝāĻŧāĨ¤ āϝāĻĻāĻŋ āϕ⧋āύ āĻŦā§āϝāĻ•ā§āϤāĻŋ Policy āύ⧇āĻ“āϝāĻŧāĻžāϰ āϤāĻŋāύ āĻŦāĻ›āϰ⧇āϰ āĻŽāĻ§ā§āϝ⧇ āĻŽāĻžāϰāĻž āϝāĻžāύ āϤāĻ–āύ āϏ⧇āχ Claim āϤāĻžāϕ⧇  āĻŦāϞāĻž āĻšāĻŦ⧇ Early Death ClaimāĨ¤ āφāϰ āϝāĻĻāĻŋ āϤāĻŋāύ āĻŦāĻ›āϰ⧇āϰ āĻĒāϰ Death āĻšāϝāĻŧ āϤāĻžāĻšāϞ⧇ āϤāĻžāϰ āϜāĻ¨ā§āϝ āϝ⧇ Claim āĻ•āϰāĻž āĻšāĻŦ⧇ āϤāĻžāϕ⧇ āĻŦāϞāĻž āĻšāϝāĻŧ Normal Death ClaimāĨ¤ āĻāχ Category āϟāĻž Insurance Company āĻ•āϰ⧇āĨ¤ 
  1. āĻāĻŦāĻžāϰ āĻāχ Death āĻāϰ āĻ–āĻŦāϰ Insurance Company āϕ⧇ āϜāĻžāύāĻžāύ⧋āϰ āϜāĻ¨ā§āϝ Insurance Company āϰ āĻĨ⧇āϕ⧇ Claim Intimation Form Fill up āĻ•āϰ⧇ āϜāĻžāύāĻžāϤ⧇ āĻšāĻŦ⧇āĨ¤ āĻāĻ•āϟāĻž Sample Death Claim Intimation form āĻāϰ āĻ›āĻŦāĻŋ āĻĻāĻŋāϞāĻžāĻŽāĨ¤ 
  1. āĻāϰ āĻĒāϰ āĻ“āχ Insurance Company āϰ āĻ•āĻžāĻ› āĻĨ⧇āϕ⧇ āϝ⧇āύ⧇ āύāĻŋāϤ⧇ āĻšāĻŦ⧇ Death Claim āϟāĻžāϕ⧇ Process āĻ•āϰāϤ⧇ āĻšāϞ⧇ āĻ•āĻŋ āĻ•āĻŋ Document āϜāĻŽāĻž āĻ•āϰāϤ⧇ āĻšāĻŦ⧇āĨ¤ 

āĻ āĻĒā§āϰāϏāĻ™ā§āϗ⧇ āφāĻŽāĻŋ āϖ⧁āĻŦ āϏāĻžāϧāĻžāϰāĻŖ āĻ…āĻĨāϚ āĻ…āύ⧇āĻ• āĻŽāĻžāύ⧁āώāϕ⧇ āϝ⧇ āϭ⧁āϞ āϗ⧁āϞ⧋ āĻ•āϰāϤ⧇ āĻĻ⧇āϖ⧇āĻ›āĻŋ āϤāĻžāϰ āϜāĻ¨ā§āϝ āϤāĻžāĻĻ⧇āϰ āϝ⧇ āĻ…āϏāĻŋāĻŦāĻŋāϧāĻžāϰ āϏāĻŽā§āĻŽā§āĻ–ā§€āύ āĻšāϤ⧇ āĻšāϝāĻŧ⧇āϛ⧇ āϤāĻžāϰ āĻ•āϝāĻŧ⧇āĻ•āϟāĻž Just Awarness āĻāϰ āϜāĻ¨ā§āϝ āĻĻāĻŋāĻšā§āĻ›āĻŋāĨ¤

  • āĻŦ⧇āĻļāĻŋāϰāĻ­āĻžāĻ— āĻŦā§āϝāĻ•ā§āϤāĻŋ Policy āύ⧇āĻ“āϝāĻŧāĻžāϰ āϏāĻŽāϝāĻŧ āĻāĻ•āĻŦāĻžāϰāĻ“ āĻ­āĻžāĻŦ⧇āύāχ āύāĻž āϝ⧇ āĻāχ Policy āϟāĻžāϰ Actual āϝ⧇ Benifit āϏ⧇āϟāĻž āϤāĻžāϰ āĻ…āĻŦāĻ°ā§āϤāĻŽāĻžāύ⧇ āϤāĻžāϰ Benificiary āĻŦāĻž Nominee āϕ⧇ Execute āĻ•āϰāϤ⧇ āĻšāĻŦ⧇āĨ¤ 
  • āĻļ⧁āϧ⧁ āĻŽāĻžāĻ¤ā§āϰ Premium āĻ•āĻŽ āĻĒāϰāϛ⧇ āĻŦāĻž āϏāĻ¸ā§āϤāĻž āĻšāĻšā§āϛ⧇, āĻāϟāĻžāϰ āϜāĻ¨ā§āϝ āĻāĻ•āϟāĻž āϕ⧋āύ Online āĻ āĻŦāĻž āϕ⧋āĻĨāĻžāĻ“ Group Policy āύ⧇āĻ“āϝāĻŧāĻžāϰ āφāϗ⧇ āĻāĻ•āϟ⧁ āĻ­āĻžāĻŦāĻž āĻŦā§‹āϧ āĻšāϝāĻŧ āĻĒā§āϰāϝāĻŧā§‹āϜāύāĨ¤ 
  • Protection āφāϰ āϏāĻ¸ā§āϤāĻž āĻāχ āĻĻ⧁āĻŸā§‹ āĻļāĻŦā§āĻĻ Dictionary āϤ⧇ āĻ•āĻŋāĻ¨ā§āϤ⧁ āĻāĻ• Line āĻ āφāϏ⧇ āύāĻžāĨ¤ 
  • Policy āϤ āϰāϝāĻŧ⧇āϛ⧇ āφāĻĒāύāĻžāϰ Beneficiary āϜāĻžāύ⧇āύ āϤ āϕ⧋āĻĨāĻžāϝāĻŧ, āĻ•āϤ āϟāĻžāĻ•āĻž Coverage āĻāϰ, Policy āĻ•āϰāĻž āφāϛ⧇? āϤāĻžāϰ Document āφāĻĒāύāĻžāϰ āĻ…āĻŦāĻ°ā§āϤāĻŽāĻžāύ⧇ āφāĻĒāύāĻžāϰ Family āϰ āĻŦāĻžāĻ•āĻŋ member āϰāĻž āϖ⧁āρāĻœā§‡ āĻĒāĻžāĻŦ⧇ āϤ?
  • āφāĻĒāύāĻžāϰ āĻ…āĻŦāĻ°ā§āϤāĻŽāĻžāύ⧇ Claim Execute āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āϕ⧋āύ Professionals āĻāϰ Help āĻāϰ āĻĒā§āϰāϝāĻŧā§‹āϜāύ āĻšāϞ⧇ āĻ“āχ Help āĻ•āĻžāϰ āĻ•āĻžāĻ› āĻĨ⧇āϕ⧇ āύ⧇āĻ“āϝāĻŧāĻž āĻĨāĻŋāĻ• āĻšāĻŦ⧇ āϤāĻžāϰ āύāĻžāĻŽ, Contact number āφāĻĒāύāĻžāϰ Beneficiary āϜāĻžāύ⧇āύ āϤ? 

āϏāĻžāϧāĻžāϰāĻŖāϤ Death Claim āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ āϝ⧇ Document āϗ⧁āϞ āϞāĻžāĻ—āϤ⧇ āĻĒāĻžāϰ⧇ āϤāĻžāϰ āĻāĻ•āϟāĻž āĻŽā§‹āϟāĻžāĻŽā§āϟāĻŋ āϧāĻžāϰāύāĻž āĻĻ⧇āĻ“āϝāĻŧāĻžāϰ āĻšā§‡āĻˇā§āϟāĻž āĻ•āϰāĻ›āĻŋāĨ¤ āĻ•āĻžāϰāĻŖ āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Insurance Company āĻāϗ⧁āϞ⧋ āĻ›āĻžāĻĄāĻŧāĻž āĻŦāĻŋāĻ­āĻŋāĻ¨ā§āύ Document āϚāĻžāχāϤ⧇ āĻĒāĻžāϰ⧇āĨ¤

āĻ•āĻŋ āĻ•āĻŋ Document āϞāĻžāĻ—āϤ⧇ āĻĒāĻžāϰ⧇? 

  1. Death Certificate
  2. Original Policy Document
  3. KYC Document of Beneficiary
  4. Age Proof of Insured Person
  5. Medical Certificate (as a proof of death)
  6. Police FIR (incase of unnatural death)
  7. Post Mortem Report (incase of unnatural death)
  8. Hospital Record/Certificate (if person died in hospital due to illness)
  9. Cremation Certificate
  10. Discharge Form/Certificate

āĻāϗ⧁āϞ⧋ āφāĻŽāĻŋ āĻāĻ–āĻžāύ⧇ āĻ•āĻŋāϛ⧁ Document āĻāϰ āύāĻžāĻŽ āĻĻāĻŋāϞāĻžāĻŽ āϝ⧇āϗ⧁āϞ⧋ Normally āĻĒā§āϰāϝāĻŧā§‹āϜāύ āĻšāϝāĻŧāĨ¤ āĻāĻŦāĻžāϰ āĻāĻ• āĻāĻ•āϟāĻž Insurance Company āϰ āφāĻŦāĻžāϰ āĻāĻ• āĻāĻ•āϰāĻ•āĻŽ Demand āĻĨāĻžāϕ⧇āĨ¤ Insurance Company āϰ āĻ•āĻžāĻ›āĻĨ⧇āϕ⧇ āĻšā§‡āϝāĻŧ⧇ āύāĻŋāϤ⧇ āĻ•āĻŋ Document āϞāĻžāĻ—āĻŦ⧇ āϤāĻžāϰ ListāĨ¤ 

Early Death Claim āĻāϰ āĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āĻāχ āωāĻĒāĻĄāĻŧ⧇āϰ Document āϗ⧁āϞ āĻ›āĻžāĻĄāĻŧāĻžāĻ“ Cremation Certificate āĻāϰ āϏāĻ™ā§āϗ⧇ Employer Certificate āĻŦāĻž Income Proof āϞāĻžāĻ—āĻŦ⧇āĨ¤ 

Procedure To Make A Maturity Claim

Insurance āϕ⧇ āϝāĻžāϰāĻž Investment āĻšāĻŋāϏāĻžāĻŦ⧇ āĻŽāύ⧇ āĻ•āϰ⧇ Insurance Policy āύāĻŋāϝāĻŧ⧇ āĻĨāĻžāϕ⧇āύ āϏ⧇āĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āĻ“āχ Policy āϗ⧁āϞ⧋āϰ āĻāĻ•āϟāĻž Maturity Period āĻĨāĻžāϕ⧇āĨ¤ Policy Mature āĻšāϞ⧇ āϤāĻžāϰ Claim āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ Generally āĻāχ āύāĻŋāĻšā§‡āϰ Procedure āϗ⧁āϞ⧋āϕ⧇ Follow āĻ•āϰāϤ⧇ āĻšāϝāĻŧāĨ¤ 

  1. Policy Mature āĻ•āϰāĻžāϰ āφāϗ⧇āχ āϏāĻžāϧāĻžāϰāĻŖāϤ Insurance Company āϗ⧁āϞ⧋ āĻāĻ•āϟāĻž Maturity Claim Form āĻĻāĻŋāϝāĻŧ⧇ āĻĻ⧇āϝāĻŧ, āĻ“āχ Form āϤāĻž Fill up āĻ•āϰ⧇ Maturity Claim āĻ•āϰāϤ⧇ āĻšāϝāĻŧāĨ¤
  2. Original Policy Certificate
  3. KYC Document
  4. Bank Proof āϝ⧇āĻ–āĻžāύ⧇ Maturity Amount āϜāĻŽāĻž āĻšāĻŦ⧇ 

Reasons Behind Rejection Of Claims

āĻāĻŦāĻžāϰ āĻ•āĻŋ āĻ•āĻŋ āĻ•āĻžāϰāϪ⧇ Insurance Claim Reject āĻšāϝāĻŧ āϤāĻžāϰ āĻ•āĻŋāϛ⧁ āĻ•āĻžāϰāĻŖ āĻāĻ–āĻžāύ⧇ āĻĻāĻŋāϞāĻžāĻŽ, āφāĻĒāύāĻžāĻĻ⧇āϰ āĻ•āĻžāĻœā§‡ āϞāĻžāĻ—āϤ⧇ āĻĒāĻžāϰ⧇āĨ¤

1. Non Disclosure or Wrong Disclosure of Facts

Insurance āĻšāϞ āĻāĻ•āϟāĻž Contract, āϝ⧇ āĻ•āĻžāϰāϪ⧇ Policy āĻ•āϰāĻžāϰ āϏāĻŽāϝāĻŧ āϏāĻŦ āϤāĻĨā§āϝ Proposal Form āĻ Declare āĻ•āϰāĻž āĻ…āĻŦāĻļā§āϝāχ āĻĒā§āϰāϝāĻŧā§‹āϜāύāĨ¤ Insurance Premium āĻ āĻŋāĻ• āĻ•āϰ⧇ Age,Profession, Annual Income,Health Condition, Medical History, Hobbies, Smoker or Non smoker āχāĻ¤ā§āϝāĻžāĻĻāĻŋ āĻŦāĻŋāώāϝāĻŧ āϗ⧁āϞ⧋āϕ⧇ āĻŦāĻŋāϚāĻžāϰ āĻ•āϰ⧇ āĻ āĻŋāĻ• āĻ•āϰāĻž āĻšāϝāĻŧāĨ¤ āĻāĻŦāĻžāϰ āĻāχ āϧāϰāύ⧇āϰ āϤāĻĨā§āϝ āϗ⧁āϞ⧋āϰ āϕ⧋āύ āĻāĻ•āϟāĻž āϝāĻĻāĻŋ Knowingly āĻŦāĻž Unknowingly Mis Represent āĻ•āϰāĻž āĻšāϝāĻŧ⧇ āĻĨāĻžāϕ⧇ āϤāĻžāĻšāϞ⧇ Claim Reject āĻšāϤ⧇ āĻĒāĻžāϰ⧇āĨ¤ āĻ…āύ⧇āĻ• āĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āĻĻ⧇āĻ–āĻž āϝāĻžāϝāĻŧ Insurance Company Clarical Mistake āĻāϰ āĻ•āĻžāϰāϪ⧇ āĻ…āύ⧇āĻ• āϤāĻĨā§āϝ āĻšāϝāĻŧāϤ āϭ⧁āϞ āϞāĻŋāϖ⧇ āĻĢ⧇āϞ⧇āύāĨ¤ āφāĻĒāύāĻžāϰ āĻ•āĻ°ā§āϤāĻŦā§āϝ āĻšāϞ Policy Issue āĻšāϝāĻŧ⧇ āφāϏāĻžāϰ āĻĒāϰ āĻ“āχ Policy Document āĻāϰ āϏāĻ™ā§āϗ⧇ āĻāĻ•āϟāĻž Proposal Form āĻāϰ Copy āĻĻ⧇āĻ“āϝāĻŧāĻž āĻĨāĻžāϕ⧇ āĻœā§‡āϤāĻž Actually āφāĻĒāύāĻŋ Fill-up āĻ•āϰ⧇āϛ⧇āύ, āĻ“āϟāĻžāϕ⧇ āϖ⧁āĻŦ āĻ­āĻžāϞ āĻ•āϰ⧇ āĻšā§‡āĻ• āĻ•āϰ⧇ āϝāĻĻāĻŋ āϕ⧋āύ āϭ⧁āϞ āĻĨāĻžāϕ⧇ Rectify āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ Mail āĻ•āϰ⧁āύāĨ¤ Correct āĻšāϝāĻŧ⧇ āϗ⧇āϞ⧇ āϝ⧇ fresh Policy Certicate āφāϏāĻŦ⧇ āĻ“āϟāĻžāϕ⧇āχ Use āĻ•āϰ⧁āύāĨ¤ 

2. Premium Not Paid In Due Time

Generally Life Insurance āĻāϰ Premium Pay āĻ•āϰāĻžāϰ āϜāĻ¨ā§āϝ Due date āĻĨ⧇āϕ⧇ āφāϰāĻ“ 30 āĻĻāĻŋāύ⧇āϰ āĻāĻ•āϟāĻž Grace Period āĻĒāĻžāĻ“āϝāĻŧāĻž āϝāĻžāϝāĻŧāĨ¤ āĻāĻŦāĻžāϰ āϕ⧇āω āϝāĻĻāĻŋ āϤāĻžāϰ Insurance āĻāϰ Premium āĻ“āχ Grace Period āĻāϰ āĻĒāϰ āϜāĻŽāĻž āĻĻ⧇āύ āϤāĻžāĻšāϞ⧇ āϤāĻžāϰ Policy Lapse āĻšāϝāĻŧ⧇ āϝāĻžāĻŦ⧇āĨ¤ āĻāĻŦāĻžāϰ āĻ“āχ Lapse āĻĨāĻžāĻ•āĻž āĻ…āĻŦāĻ¸ā§āĻĨāĻžāϝāĻŧ Claim āĻšāϞ⧇ Claim āĻĒāĻžāĻ“āϝāĻŧāĻž āϝāĻžāĻŦ⧇ āύāĻžāĨ¤ 

3. Not Updating Nominee

āĻŦ⧇āĻļāĻŋāϰāĻ­āĻžāĻ— āĻ•ā§āώ⧇āĻ¤ā§āϰ⧇ āĻĻ⧇āĻ–āĻž āϝāĻžāϝāĻŧ āĻŦ⧇āĻļāĻŋāϰāĻ­āĻžāĻ— āĻŽāĻžāύ⧁āώ⧇āϰ āϏāĻ āĻŋāĻ• Awarness āĻāϰ āĻ…āĻ­āĻžāĻŦ⧇ āĻāχ āϭ⧁āϞ āϗ⧁āϞ⧋ āĻšāϝāĻŧ⧇ āĻĨāĻžāϕ⧇āĨ¤ āĻ…āύ⧇āϕ⧇ Insurance āĻ•āϰāĻžāϰ āϏāĻŽāϝāĻŧ āĻšāϝāĻŧāϤ āϤāĻžāϰ āĻŽāĻž āϕ⧇ Nominee āĻ•āϰ⧇ āϰ⧇āϖ⧇āĻ›āĻŋāϞ⧇āύ āĻĒāϰ⧇ āφāϰ Change āĻ•āϰāϤ⧇ āϭ⧁āϞ⧇ āĻ—āĻŋāϝāĻŧ⧇āĻ›āĻŋāϞ⧇āύ, āĻāĻŦāĻžāϰ āĻĒāϰāĻŦāĻ°ā§āϤ⧀ āϏāĻŽāϝāĻŧ⧇ āĻŽāĻž āĻ“ āĻœā§€āĻŦāĻŋāϤ āύ⧇āχ āĻāĻŽāϤ āĻ…āĻŦāĻ¸ā§āĻĨāĻžāϝāĻŧ āϤāĻžāϰ āĻŽā§ƒāĻ¤ā§āϝ⧁ āĻšāϞ⧇ āϤāĻžāϰ Beneficiery āĻĻ⧇āϰ Claim āĻĒ⧇āϤ⧇ āĻ…āϏ⧁āĻŦāĻŋāϧāĻž āĻšāϝāĻŧāĨ¤ āφāĻŦāĻžāϰ āĻ…āύ⧇āϕ⧇ āϕ⧋āύ āĻ•āĻžāϰāϪ⧇ Minor āϕ⧇ Nominee āĻ•āϰ⧇ āϰāĻžāϖ⧇āύ, āĻĒāϰ⧇ āĻ“āχ Minor āϝāĻ–āύ Major āĻšāϝāĻŧ⧇ āϝāĻžāϝāĻŧ āϏ⧇āϟāĻžāϕ⧇ Insurence Company āϕ⧇ āϜāĻžāύāĻžāϤ⧇ āĻŦāĻž Policy āϤ⧇ Update āĻ•āϰāϤ⧇ āϭ⧁āϞ⧇ āĻ—āĻŋāϝāĻŧ⧇ Claim āĻĒ⧇āϤ⧇ āĻ…āϏ⧁āĻŦāĻŋāϧāĻž āĻšāϝāĻŧāĨ¤ Nominee āϰ āύāĻžāĻŽā§‡āϰ Spelling Mistake āĻĨāĻžāĻ•āϞ⧇āĻ“ Claim Reject āĻšāϝāĻŧ⧇ āϝāĻžāϝāĻŧāĨ¤ 

4. Different Exclusion In The Policy Clause

Insurance āĻāϰ āύāĻŋāϝāĻŧāĻŽ āĻ…āύ⧁āϝāĻžāϝāĻŧā§€ āĻĒā§āϰāĻ¤ā§āϝ⧇āĻ• Policy āϤ⧇ āĻ•āĻŋāϛ⧁ Exclusion āĻĨāĻžāϕ⧇ āϝ⧇ āĻ•āĻžāϰāϪ⧇ Claim Reject āĻšāϝāĻŧāĨ¤ āϝ⧇āĻŽāύ- āĻāĻ• āĻŦāĻ›āϰ⧇āϰ āĻŽāĻ§ā§āϝ⧇ Suicide āĻ•āϰāϞ⧇ āĻŦāĻž Intoxicate āĻ…āĻŦāĻ¸ā§āĻĨāĻžāϝāĻŧ Accident āĻāϰ āĻ•āĻžāϰāϪ⧇ Death āĻŦāĻž Over dose drug āύāĻŋāϝāĻŧ⧇ āϝāĻĻāĻŋ āϕ⧋āύ⧋ death āĻšāϝāĻŧ -āĻāχāϏāĻŦ āĻ•āĻžāϰāϪ⧇ Death āĻšāϞ⧇ Insurance Claim Reject āĻšāϝāĻŧ⧇ āϝāĻžāϝāĻŧāĨ¤ 

āϏāĻŦ āĻļ⧇āώ⧇ āĻŦāϞāĻŋ āϝāĻĻāĻŋ āĻ āĻĒāϰāĻœā§āϝāĻ¨ā§āϤ āĻāχ Article āϟāĻž āĻĒāϰ⧇ āφāĻĒāύāĻžāϰ āϝāĻĻāĻŋ āĻŽāύ⧇ āĻšāϝāĻŧ āϕ⧋āύ āĻāĻ•āϟāĻž āĻŦāĻŋāώāϝāĻŧ āĻ“ āφāĻĒāύāĻŋ āĻāĻ–āύ āϜāĻžāύāϞ⧇āύ āĻšāϝāĻŧāϤ āĻœā§‡āϟāĻž  āφāϗ⧇ āφāĻĒāύāĻŋ  āϜāĻžāύāϤ⧇āύ āύāĻž āϤāĻžāϤ⧇ āĻ•āĻŋāĻ¨ā§āϤ⧁ āφāĻĒāύāĻžāϰ āĻ­āĻŦāĻŋāĻˇā§āĻ¯ā§Ž Security āĻ•āĻŋāϛ⧁āχ āĻŦāĻžāĻĄāĻŧāĻŦ⧇ āύāĻž āϝāϤāĻ•ā§āώāĻŖ āĻĒāϰāĻœā§āϝāĻ¨ā§āϤ āύāĻž āφāĻĒāύāĻžāϰ Beneficiary āĻŦā§āϝāĻĒāĻžāϰ āϗ⧁āϞ⧋ āϜāĻžāύāϤ⧇ āĻŦāĻž āĻŦ⧁āĻāϤ⧇ āĻĒāĻžāϰāĻŦ⧇āύāĨ¤ āφāĻĒāύāĻŋ āϏ⧁āϧ⧁ āϜāĻžāύāϞ⧇ āĻ•āĻŋāĻ¨ā§āϤ⧁ āφāĻĒāύāĻžāϰ Security āĻŦāĻžāĻĄāĻŧāĻŦ⧇ āύāĻž āφāĻĒāύāĻŋ āĻāĻ•āϟ⧁ āĻ•āĻŽ āϜāĻžāύāϞ⧇āĻ“ āĻ–āϤāĻŋ āĻšāĻŦ⧇ āύāĻž āϝāĻĻāĻŋ āφāĻĒāύāĻžāϰ Family member āĻĻ⧇āϰ āĻŦā§āϝāĻĒāĻžāϰāϟāĻž āϜāĻžāύāĻž āĻĨāĻžāϕ⧇āĨ¤ āĻšāϝāĻŧ āĻāχ Article āϟāĻž Family Member āĻĻ⧇āϰ āĻĒāĻĄāĻŧāϤ⧇ āĻĻāĻŋāύ āύāĻž āĻšāϞ⧇ āĻ…āύāĻžāĻĻā§āϝ⧇āϰ āύāĻŋāĻœā§‡ āĻĒāϰ⧇ āĻļā§‹āύāĻžāύāĨ¤

āϞ⧇āĻ–āĻžāϟāĻž āĻĒāϰ⧇ āϝāĻĻāĻŋ āφāĻĒāύāĻžāϰ āĻ­āĻžāϞ āϞāĻžāϗ⧇ āϤāĻžāĻšāϞ⧇ āĻ…āĻŦāĻļā§āϝāχ āφāĻĒāύāĻžāϰ āĻŽāϤāĻžāĻŽāϤ āύāĻŋāĻšā§‡āϰ Comment Section āĻ āϞāĻŋāϖ⧁āύāĨ¤

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