The plan offers life long renewal option, an array of sum assured amount, and different VIP treatments depending on one’s pocket. Exclusive and premium may look costly at a glance but one should look at the policy from the perspective of what he / she needs, rather than what the policy has to offer.
Practicalities of life must be considered while choosing a plan. the chief advantages of the plan is ..there is no loading, no co payment, maternity and critical illness benefits. However it has flaws too..we may not increase the Sum assured upon renewal and no entry beyond 60 yrs... But overall the plan has much value for money..looking from a middle income perspective. Suggestions welcome...
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