This is the worst plan very well marketed by Aviva and American Express, they both cheated the innocent investor and the worst thing to all investors they told you need to invest till three years afterwards you can withdraw the sum without any charges.
Now when you come across with the plocy document and read it when you want to withdraw your money you have been told to pay charges , pay for an other 50 years even if you are not sure of survival.
Futher In India this plan has been banned by IRDAI and without bringing in to notice of investors the company marketed the product and trapped as many customer they can trap in to their net during the closure year of this plan.
Now I think the days of fair practice which was adopted by LIC are gone the companies like Aviva are black patch in insurance sector.So if you want to lose your hard earned money go with them otherwise trust onlu nationalised Insurance companies.
Rgds
Pradeep