Sbi agent cheated me that if we pay 5lakhs for 5 yrs and wait for another 5 yrs you will get 11 lakhs on maturity.after paying for 4 yrs we realized that we have to pay 10 lakhs and we get sum assured of 9.17 lakhs and with bonus about 13 lakhs which is less that a normal bank intrest.later I filed a complaint with IRDA after that company peoples called me and the agent came back to me to do negotiations at last agreed to pay the amount I payed .with no intrest for 4 yrs!