Charges are pretty high, but the agents gives totally wrong information. In my case the agent said, the charges will be deducted every quarter, which was actually deducted every month. I end-up paying huge policy charges.
Possibly avoid buying policy from birla sunlife. They are worst. Please check / verify the policy details from another source always whenever you are going for a new policy even with other insurance company.
Moreover, they are not doing well in the market. Customer care guys are generous though.