Solution:
An inquest is a judicial inquiry in common law jurisdictions, particularly one held to determine the cause of a person's death. Inquest can also mean such a jury and the result of such an investigation. In general usage, inquest is also used to mean any investigation or inquiry.

Solution:
ROP plan offers premium refund at maturity if the policyholder survives the tenure.

Solution:
Section 45 of Insurance Act, 1938 speaks about rejecting a claim after 3 years of taking a policy.

Solution:
If the insured dies within three years of policy duration will be treated as an early death claim. If the life assured dies during the term of the policy, the death claim arises. If the death has taken place within the first two years of the commencement of the policy, it is called an early death claim and if the death has taken after 2 years, it is called a non early death claim.

Solution:
Hazardous occupation, previous policies of the proposer and health are not a material fact. Material fact is a fact that is important, significant or essential to a reasonable person in deciding whether to engage or not to engage in a particular transaction, issue or matter at hand.

Solution:
Term policy is available both a separate policy and as a rider in another policy.

Solution:
In a Unit Linked plan, Sum insured or fund value which is higher is the death claim payable. The unit-linked insurance plans ( Ulips) provide both death and maturity benefits to the policyholder. If he dies during the term of the policy, the beneficiary will receive one of these: sum assured, the higher of the fund value and sum assured, or sum assured and the value of the fund, depending on the terms of the policy.