Worst Service and Returns by HDFC Standard Life. Actually LIC is far better in returns and repayment HDFL will not pay back the amount when asked for. I am suffering to get the surrender value and surrender of my policy though the return is very poor. HDFCSL cheats general Public for their comforts. Never details about end return will be given. On line facility only for receipt by HDFCSLC but for customers they have to run from pillar to post to get back their hard earned funds.