Hi All,

I have bought 2 term insurances one from LIC and one from Aviva almost at the same time and I have not declared that I while applying, since I had none at that time.

a. Should I go ahead and declare the same with my Insurance Company? If yes, then which one should I declare to whom?

b. What is the impact of not declaring my insurances with the the insurance company? And would it cause any problem at the time of settlement(if any)?

Please clarify and your additional thoughts.


Thanks a lot!

Sunil Kumar

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