The Metlife Sales guy use fraud techniques to sell their products, if you have an existing product with them, they call you and say that your policy has been transferrd to a new one, and you could redeem your old policy which has grown by an exorbitant x% and they ask for a premium payment for the new policy.
They also mention that the money will be redeemed through DD or bank transfer after a certain number of days which never happens. Its just a trick to sell a new policy. And later on they tell you that your money could not be redeemed as there was a shortfall in the new premium made and then they ask for more money.
Dont fall into this trick.