KLI somehow attracts the customers, sell the policies and get the premium payment done. KLI accepts premiums happily. When the customer demands his claim/ Bonus pay out etc, then KLI will show their real colour. They will ask lot of documents from the customers, they will tell lot of procedures.
KLI is happy. Customer / Policy holder is sad.
KLI says Hum hain. hamesha. But in reality KLI is there for selling the policies and receiving the premiums.
I feel very sorry for choosing KLI.