Robotic customer care guys who will not understand your problem but will cut and paste standard responses even if they are totally irrelevant.
When it comes to getting your money back on maturity or partial withdrawals you will be in for a shock.
This company has been slapped with the highest fine in irda history. See 3rd post above.
Learn from others mistakes, do not get cheated.
Hdfc life does not enjoy a good reputation like hdfc bank and hdfc mutual fund, both of which are highly ethical organisations.a