I am holding 14 lic policies. It was my first job where accidently I mate one Lic agent. As I was not much aware about difference between investment and insurance I followed agent’s recommendation and purchased these policies. After 10 years I found I am doing non sense work. There is return on investment. Lic pays huge commission to agents through the premium they collect from customers. However policy holders getting peanuts.Tenures are also too long .if any one want to do investments do not buy lic.Buy one term insurace from any innsurance company and invest money in fd, mutual fund or equity
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