HDFC SL Crest is the all time worse policy I have ever seen. Unknowingly I opted for this premium in Oct 2012 and till now I paid 4 installments(100k*4) and now the total fund value is 415k, which is the worse fund performance. If I could have deposited this amount in any bank, I could have got more returns by this time.
I sincerely urging to the new policy seekers i.e. do not invest money in this policy, if your money is important to you.
Please do not go for HDFC SL Crest policy, even if they assure you 15% max returns because at the end the returns are purely depend on the total number of units and market performance.
Shaik