<h1>Multiple term insurance policies require full disclosure and organised record-keeping to avoid claim complications later.</h1> Insurers settle term policy claims independently, so multiple policies are permissible and each insurer pays its own sum assured; the principal claim risks arise from non disclosure, poor documentation, missed renewals and overlapping riders. To avoid complications, policyholders should disclose all existing covers when buying new policies, use consistent nominee details, maintain a centralised record of documents and periodically review coverage against liabilities so nominees can file timely claims with each insurer.