Exide life sells worst policies. Their aim is to cheat and loot by lawful means. If you pay Rs 1000, you will get Rs 700 back. Their agents are worst. They explain one policy, and sell another. I have lost Rs 100 000, and Exide refuses to give back my money. Their emails, toll free nos don’t work. Don’t take any Exide policies. You have been strongly warned. Same works with HDFC also. How IRDA is allowing these companies to cheat millions of innocent customers.