I took Metlife policy in 2006 and the agent lied about the charges. There are lots of hidden charges. In the past 5 years I have paid more than 10k as policy charges. Due toi all these high hidden charges my fund value has just increased by 1000 rupees in last 5 years.
The biggest pain is that you can exit this policy before 10 years, otherwise you will have to pay high penalties(like 70% of the first premium if you want to exit after 3 years) - Nice way to loot customers and secure their booties.
AVOID IT AND DONT RECOMMEND IT TO OTHERS.