I had high hopes with Metlife when it came into the market in 2007. I bought a unit linked policy and after 7 years I lost Rs. 50, 000- surrendered this 10 year policy after 7 years as I was losing money. They will keep telling you not to surrender even though you are losing money.
No advice given in the last 7 years whatsoever.
Once they hook you to take a policy, there is no help or assistance throughout the term of the policy.
When you want to surrender, they will make all sorts of promises to make you take another useless policy and they take more than 2 months to return your money after they have declined your policy for no valid reason.
PNB Metlife just wants to PLAY with your money. They are not doing any REAL insurance but some play with customer’s money in the guise of policies!
I don’t know what the deal is in PNB Metlife India but it is NOT what it says it is. My experience has been horrendous to say the least.