I have taken Birla Sunlife insurance, paid premium regularly for 3 years.
The insurance people told me to wait for 2 more years, now they are charging Rs 20, 000 to exit. Also the value of Investment is Rs 30, 000 less than what I have Invested.
AVOID BIRLA SUNLIFE CHILDGAIN POLICY. THESE GUYS ARE A BUNCH OF CROOKS TRYING TO LEGALLY STEAL MONEY FROM YOU.