You are very lucky. Typically if you are a nri, one of the pyt (pretty young things) in the bank would approach you (if you are leaving in the next 3 hours, great!) and sell (ha ha) you a nice fat pension policy (too boring to sell insurance, go for medical etc. and anyway commissions are 40% eitherways)
this is typically how the conversation will go......
Sir we have an excellent Pension Plan...you will get far better returns than a bank deposit....ther is no risk. Of course you need to pay only once (a friend who believed it is paying for 5 years to keep it alive!!). Most nris are too bored, rich or lzy to complain to IRDA. So hdfc (of course along with icici) successfully ’’sells’’ insurance to its bank account holders. You are lucky, at least u have not deposited the dollars!! Simple advise - dont!!