1) Proposal has been submitted along with deposit (premium) but before underwriting done, insured dies. How insurance claim will be settled?
2) Insured dies after paying 5 years premium. No nomination exists. If death claim arise, how claim amount will be settled? More Info - Insured survived with brother, brother's wife and children.

3) If Insured is granted coverage with extra rating 225%. How premium will be calculated. what is 100% and how it is different from 225%. show an example with dummy values for 100% and 225%. If any additional riders like Disability Waiver Benefit or Child Term Rider or Accident benefit rider exists, how this rider is charged with premium under 100% and 225%?