If you are thinking of an insurance package for Life Insurance Cum as a means of Saving, then this one is for you. They have a lot of exciting schemes & riders, with varying options depending on the level of risk you would like to take. Their advisors are friendly, and very knowledgeable. You can expect prompt replies to your queries and frank opinion on what is the sort of policy you require, and how much is the level of risk to you. The one problem you may face, is that the advisor can push you into making the decision very fast. But, they do have a 45 day period when you can evaluate the offer and return it if you are dissatisfied or if you want to change the plan. Way to go if you are thinking of Pension plan / Life Insurance.