Over all good insurance company, I am paying 1.20 lac per year and I will get good returns at any time. Agent provied very good details, after 2 year I took policy form the same agent because of his service. May other insurance agent visted but they where trying to sell me some thing. I liked the sutomer service and rates of premium. I will paln over for my famliy in feature and no worries financial. Becuase each person now days are planing for loan but if you focus littel but on insurance it is much usefull and save lot of money.