Concept of iTerm (purchase of term plan through internet) is quite unique. I believe as the agent is not involved (i.e. no commission charge), the base premium is quite low. What is disturbing that for policy holders like me who are honest in disclosing the life style disease diabetes & epilepsy.
Aegon Religare charged a very high extra charge of more than 180% of base premium.
Had to go ahead with iTerm because there was no such policy available with such low base premium.
So guys with any of disease, suggest to alternatively opt for newly launched ICICI Prudential similar product.
Take Care. INSURE Today!