My age is 38 years. I want to have Life Insurance for Rs. 25 Lakhs but I am scared of Medical examination. What is the option?

You can go in for Aviva Life Shield Advantage, which has the benefit of

a) Term Insurance
b) Return of Premium on expiry of the policy

In this policy no medical examination is required for those who are in age group of 36 to 45 years provided sum assured is Rs 25 Lakhs or less.

As you are looking for sum assured of Rs 25 lakhs –you would be eligible for the policy.