In 2008 I joined the Max Life Insurance, I was a agent in this company, I worked for 2 years.In this company the policy premium is very high for the middle class people in rural area.when I worked the month of target is very high should not possible fulfil.I have 5 policy for my own family, my father had one policy, when he take the policy the yearly premium was 10000.He continue the policy 5 years.after 5 years when he surrender the policy he get the 45000.He give 50000, the company returned 45000, no interest .When we asked the company they told cut off the surrender charge.This is very bad rule when we invest money expect the return of with minimum interest.So I decided the never invest the money in that type of company.