company based on the amount of cover age and disclosed health history feels that you need not undergo medical tests the underwriting process will come to an end in case medical tests seem necessary you will have to go through the same the insurer will foot the bill for such tests after making adjustments in the premium amount if required the policy will be issued to you you will also have to submit the documents asked for they can either be sent to the insurers branch offices or uploaded online if the option is provided on the portal the flipside the positives clearly outweigh the negatives for the life assured but for nominees the technologydriven edge might prove to be counterproductive if they are unaware of the cover or the claimfiling procedure with no friendly neighbourhood acquaintancecumagent to assist with the paperwork the nominees might have to hunt for documents and make trips to the companys office the help of an agent who is conversant with the procedures and formalities would definitely help the claimant says consumer activist jehangir gai insurers though say that their call centres are equipped to handle claim queries besides if your agent happens to be unscrupulous misselling is a distinct possibility many insurance agents particularly those working with private insurers quit their profession very soon so there is no certainty on the agent being available to render his service after death of the life assured instead you should focus on the quality of services offered by the insurer says certified financial planner pankaj mathpal ceo of optima money managers since 2010 the number of individual agents exiting the profession has shot up on their part online term policyholders can keep their nominees informed about the cover and the location of the policy contract