Underwriting Insights for Large Term Covers

• The Critical Underwriting Gap in GCC NRI Applications

  Why relying on Aadhaar for NRI KYC is an automatic rejection trigger, and the passport visa correlation rule most advisors miss.

• Section 37(1) Keyman Deductibility and Circular 573

  Decoding the precise tax treatment of business-owned term insurance. How to avoid tax audits on premium payments.

• How Reinsurers View Declines vs Loadings

  A decline is an event, not a permanent verdict. An insider look into how risk pools are re-calculated across major companies.