Hello guys I m a term plan expert I was working in this sector for last 2 years so till now what I m experience is that hdfc only have to market value they are good in taking the amount for a term plan but they are not good in facilties they always delay the medicals for the coustmer provide policy late to the coustmer nd if something dignose they again increase the premium nd in claim wise they are not good soo in my opinion is is not a good plan to buy out