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PW Stalwart
I would go for medical test, what is big here? Anyway -
1. The medical test is usually not conducted if age is in bracket of 18-35 and Sum Assured opted is less than Rs 50 lacs.
2. The test conducted will depend on the age of life insured and it takes usually 2 days.
3. The confirmation will be made available within 2 days of conducting medical tests.
Everyone has a scheme of getting rich.. Which never works. 
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