Hi guys,
I am one of the victims of HDFC life insurace policies. In the first place, the agent does not reveal all the hidden charges and fees behind the policies. You will be in their trap by the time you realize that you are paying for all the maintenance and the fund charges every month from your policy money. Added to it, you will never get the same amount promised by the agent as the no. of units we are buying is always less than what you are actually paying for. Also, they won’t let you off the hook, even if you want to surrender and they keep frustrating you by multiple reminders. Overall, this is a very bad idea of investing your money in and waiting for the returns as there is no transparency with this agency. Most of the agents are very insane and will never answer your calls or messages once they are done with handing the policy. Pathetic insurance company,