The HDFC agent misled me into buying HDFC life policy. On maturity, HDFC Life would not permit redemption. It tries its best to mislead you into buying another policy with false misleading information. It has a relationship manager. He is never available for consultation. Finally when contacted, he does not even know who are you. In sum, HDFC life is a programme to loot the public and to run an employment guarantee programme for its relationship managers.