The correct answer is A. Ramya dies after 6 months of buying a term insurance plan.
A term insurance plan is a type of life insurance that provides coverage for a specified period of time, known as the term. If the insured person dies during the term, the death benefit is paid to the beneficiaries. If the insured person survives the term, the policy ends and no benefits are paid.
Early claims are claims that are made within the first two years of a term insurance policy. These claims are typically considered to be non-accidental, and the death benefit may be reduced or denied.
Non-early claims are claims that are made after the first two years of a term insurance policy. These claims are typically considered to be accidental, and the death benefit is usually paid in full.
In the case of Ramya, she died after only 6 months of buying a term insurance plan. This is considered to be an early claim, and the death benefit may be reduced or denied.
In the cases of Manoj, David, and Pravin, they all died after more than two years of buying a term insurance plan. These are considered to be non-early claims, and the death benefit will usually be paid in full.
Therefore, the odd one out is A. Ramya dies after 6 months of buying a term insurance plan.