If you are thinking to buy an insurance go for LIC, it is the safe and best option available.
Birla Sun Life has highest monthly charges with no services. Also the policy return is so less tht you even get more by keeping your money in a saving account. I am using it and now I feel cheated and helpless. it has 3 years of locking and if you want to withdraw before this time you will get no money. Beware of tele sales agent and people suggesting this policy. invest wisely.
Please buy an Fd or open an PPF account they are far better than this.