I have been a costomer in Metlife for last 5 years. Agents are simply lying attactive schemes to get the high commission. Really Metlife service is very very worst. due to my age without intimation they changed my policy to surrender mode though I paid preoperly for all premiums.I tried to ineract customer care so many times.
They did not even Picked up the phone and couple of times responded with lame reasons. After 4 months of struggle I paind one more permium to reinstate my policy.
My Kind advice to all is do not go for mutual funds especially to private sectors. Since a experience guy here my words and not agents.