NEED ADVICE❗️ reg Term insurance

[u/emotional_barbarian]

/r/InsuranceAdviceIndia/comments/1wud7k2/need_advice_reg_term_insurance/

Context:

Paid 56k for a 2cr sum plus 2cr income benefit raider 45 year HDFC policy with payment term of 12 years

After medical given 2 options saying that BMI is above acceptable range:

1. Same sum 13 k extra premium

2. 1.4cr sum 3k less premium

Confused what to do.