Renee-Go for ONLINE. There is no advantage of going OFFLINE. When it comes to claim settlement ratio, it is a raw data which includes all types of products like endowment, ULIPs or Term Insurance. Hence, it is hard to judge whether the claims rejected or accepted are all Term Insurance or not. Hence, don’t over think on this data. Instead, look for comfort with company, plan feature and premium affordability. If all are matching then go ahead with Aegon and buy it by declaring all facts properly.