Use free-look period: New policyholders have a 10-15 day "free-look" period to request a refund after deducting stamp duty and medical test expenses. Request a refund within the free-look period to avoid waiting until the end of the policy year. Exit plans for Term Insurance Plans: Exiting a term insurance plan results in loss of all premiums paid. You can exit during the free-look period or let the policy expire by not paying the annual premium. Purchasing extra riders: Enhance your existing li
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