life insurance policy. Many insurers such as TATA AIA Life, Exide Life have imposed a three-month waiting period before issuing a policy to such survivors.These people will have to undergo medical tests before an insurer decides to issue the policy.Karthik Raman, CMO & Head – Products, Ageas Federal Life Insurance, said, "Life insurers may ask additional questions and maybe slightly more vigilant in their decision if the individual has recently returned from an international trip, or is planning to travel abroad shortly, especially to a country which is severely affected by Covid-19."The insurer might request for additional medical tests as well to gauge the risk category of the applicant because life insurance contracts are solicited by.