- Terrorism in Life Insurance
- How to File a Claim?
- Claim Documents
Himanshu is a content marketer with 2 years of experience in the life insurance sector. His motto is to make life insurance topics simple and easy to understand yet one level deeper for our readers.
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Updated on Apr 30, 2025 5 min read
Does Life Insurance Cover Terrorism?
After the Pahalgam tragic incident, many individuals have raised questions about whether the life insurance policies in India cover deaths due to terrorism or not. There is no single answer to this question. However, according to the experts at PolicyX.com, life insurance policies cover death due to terrorism unless it is mentioned in the exclusions in the policy documents. The claim would be processed if everything is according to the terms & conditions. To cross-verify whether your policy covers death due to terrorism or not, you should check your policy documents or contact your insurance company.
However, most of the life insurance companies cover death that occurs due to terrorist attacks. Apart from terrorism, a good life insurance policy protects you against various unforeseen situations.
What is Terrorism Coverage in Life Insurance?
As per the terrorism coverage in life insurance, the insurance companies will pay the sum assured to the nominee in case of the policyholder’s death during a terrorist attack. This coverage is available with certain life insurance policies. However, certain insurance policies do not offer terrorism coverage. One should look for the terms and conditions mentioned in the policy documents to check if terrorism coverage is available or not.
Generally, the insurance companies mention terrorism coverage in the exclusion section of the policy documents. Some best life insurance companies, such as Life Insurance Corporation of India and Axis Max Life Insurance, offer terrorism coverage with their term insurance policies.
Documents Required to Claim Life Insurance For Deaths Caused by Terrorism
Here is the list of the documents required to claim the life insurance for deaths caused by the terrorist attacks:
Original Policy Documents
You have to submit the original policy documents to the insurer during the claim settlement process.Death Certificate
An original or a copy of the death certificate issued by the local authority to prove the death and its cause.Duly Signed Claim Form
You have to attach the filled and duly signed claim form provided by the insurance company.Identity Proof of Nominee
A copy of the identity proof of the nominee, like Aadhaar card, Pan card, Voter ID card, Driving license, etc.Passport Size Photograph
Attach your passport size photograph along with the other documents.Nominee’s Address Proof
Any one of the address proofs (electricity bill, Aadhaar card, or bank passbook)Nominee’s Bank Details
A cancelled cheque, a copy of the bank statement with the account number and IFSC code in which the claim amount has to be transferred.
Sometimes the insurance companies offer relaxations and ease in the documentation process. LIC has recently announced relaxation in documentation requirements for the Pahalgam victims. Instead of a death certificate, the nominee can provide any other document that serves as proof of death. The proof of compensation provided by the Central or State government can also be used as proof of death. Moreover, they have also offered various other relaxations to the affected families.
How Does the Claim Process Work for Deaths Caused by Terrorism?
The claim process for deaths caused by terrorism works the same way as the normal death claim. Let’s understand the claim process for the deaths caused by terrorism.
Notify the insurer
The nominee has to notify the insurer about the death of the policyholder by visiting one of their nearest branch offices, sending them an email, or contacting their customer support.Submit the documents
The insurance company will ask you to submit the important documents required to verify and process the life insurance claim.Claim verification and settlement
Once documents are submitted, the insurance company will verify your claim. The insurer will make the decision based on its verification. If the claim is approved, the insurer will transfer the amount to the nominee’s bank account.
Factors to be Considered When Buying A Life Insurance Policy
There are certain factors that an individual must consider when buying a life insurance policy. We have provided all such factors.
Read the policy documents carefully
You must check the policy documents carefully to see what is covered in your insurance policy. Read exclusions to understand what is not covered.Choose a reputed insurance company
A life insurance company with a claim settlement ratio of more than 95% is considered reliable. Buying a life insurance plan from a reputable insurance company ensures that your loved ones can get the claim amount in your absence.Choose an ideal policy tenure
Opting for an ideal policy tenure ensures you are covered when you need your insurance policy the most. An ideal policy term should align with your long-term financial goals.Do not disclose important information from insurers
You must disclose all the necessary details to the insurance company, such as your lifestyle habits, health details, profession, etc. Hiding any such information may result in claim rejection in the future.Compare different plans
It’s ideal to compare various life insurance plans before choosing one. Comparing various life insurance policies helps you choose the right life insurance policy.
Conclusion
Not all life insurance policies cover deaths due to terrorism. To check if your life insurance policy is eligible for terrorism coverage or not, you can check the policy documents or contact your insurer. Various life insurance companies, such as Life Insurance Corporation of India, Axis Max Life Insurance, and ICICI Prudential Life Insurance, offer various life insurance plans that provide coverage against terrorist attacks.
It’s good to see how life insurance companies come forward in uncertain times to support affected families by easing the claim settlement process, offering same-day claim amount, etc.
If you are looking for a life insurance plan that provides coverage against terrorism, you can contact us at PolicyX.com. We offer No Spam, No Gimmicks, and Only Expert Insurance Advice.
FAQs: Does Life Insurance Cover Death Due to Terrorism?
1. How quickly do life insurers settle claims for victims of terrorism?
Generally, life insurance companies try to settle the claims for victims of terrorism at their earliest. After the Pahalgam incident, LIC announced quick claim settlement for the affected families.
2. What is terrorism coverage in life insurance?
Terrorism coverage in life insurance offers the claim amount to the nominee in case of the policyholder’s death during a terrorist attack.
3. Is there a special rider for terrorism coverage in life insurance?
As such, there is no special rider for terrorism coverage in life insurance. But some life insurance companies offer certain riders that cover certain aspects of terrorist attacks.
4. What are the documents required to claim life insurance for deaths caused due to terrorism?
To file a life insurance claim for deaths due to terrorism, you have to provide various documents, including the death certificate of the policyholder, identity proof of the nominee, bank details, original policy documents, etc.
5. How to buy a life insurance plan that covers death due to terrorism?
To buy a life insurance plan that covers terrorism, you can visit PolicyX.com or call us at 1800-420-0269.
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Written By: Himanshu Kumar
Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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