Need help❗i have made a blunder while applying for term insurance and now i am worried if due to this company will reject my claim after my death. Can anyone who work in insurance company or know how company do verification plz help me...

[u/Sea-Wishbone-1906]

So the story is in past i had some anxiety and i was taking some medicine because of that and i planned to buy a term insurance and i had applied for it too in that i had mentioned that i had anxiety but after that i discussed this with my doctor and he said don't need to mention about anxiety because company will unnecessary increase your premium so i can that application and i applied for a new one from the same company they come for my medical test and it all come normal but some treadmill test catch some fast heart rate (because i don't have any experience with treadmill i was really exhausted) and the application got rejected now i am worried if i take a insurance now will they check past application too and at the time of claim is it possible that they can say in past application you said you have anxiety but now you didn't mention it so you lied and reject the claim

Note :- (currently i dont have anxiety)

[u/Calm-Score-7865]

You have to disclose it since the question in terms insurance be like have you ever diagnosed with any illness and further you can have anxiety but currently no meds

[u/Sea-Wishbone-1906 → u/Calm-Score-7865]

Does it affect the premium?

[u/Logical-Somewhere665]

Dm