Kotak life insurance guys are big cheaters.:( when they have their target to achieve they will show rosy pictures to customers and make sure that they make policies. We are the fools believe them and make the policies. Guys please it is better to put your money Fixed Deposits with Banks rather than thinking to get good returns from these all private players.
They show that they will give fixed returns but after that they will tell it depends on the market. Do not fall in to their trap which I did and lost money.