Don, t go for birla sun life. this company is totaly fake ???? I have done my policy before 7 years and they told me to 3plise my basic but when I call for worth they told me which I didn.t expect. they were offering me less amount which I invested years ago surprisngly I thought they will give me atleast interst on principal but reality was very much different. they were offering me less then principal invested years ago either with principal. so go for mutual funds only .no birla sun.