Friends, pls be carefull of policy information. Ensure you know bit and byte of your policy, and also read the the form that you sign before signing it. My experinece - I trusted the Kotak agent, but later realised that Policy was actually taken on my son name (2 yr old) and not on my name.
This was a major concern, defet the whole purpose of taking my policy. By God’s grace I could realise it..