The main reason for online term plans available in selected cities is that the online buyer figures low in the risk matrix. He is young, well-educated, reasonably well-off and an urbanite. Insurance companies realise that the better access to health care in urban areas means that city dwellers have a longer life span than the average Indian. But I don’t feel anything change, even if he move out of that city – he will work in same job profile, so the risk profile is same. But I would double check with insurer’s customer care.