Hi all just a small and beneficial advice from experience of my family. Never ever trust Lic ( Agent) all they do it just eating ur money and giving fake promised and flase Hopes.Never kisten to the Lic agent first of all.They just mesmerise u with their wonderful speaking skill and techniques. They may give some fake example to brsinwash u for joining some scheme everything is an eyewashing.Lic is good insurance company but it 99% agent is bad just eat you money