I agree to the most of the reviews posted by the users but before putting comments on a product, have you ever questioned yourself that "I have read all the "Terms and Conditions" carefully and cross-verified the same with the Financial Advisor/Agent". I agree that you cannot read all the "T & C" but atleast the one which was told by the advisor can be verified and cross questioned him if any differences are there.
It is "us" who have to read and understand the T&C of the policy because we are going to be the beneficiaries of the plan. Most of us does a big mistake is, we withdraw the policy within the term and expects benefits out of it. It is not advised at all to withdraw within the term of the policy as the benefits may be impacted. Being literates, we have to know the pros and cons of the policy and go further, there should not be any hurry while taking the policy.
Please don’t take it granted what the Agent or Advisor says, it is your responsibility to cross verify with what company says and mentions on the brochure and bond. For any further clarfication in this regard you can always reach me at nagabhushanan@yahoo.co.in.