I had taken metlife policy from a metlife agent who made me a sheer fool. Its agent tell anything to make you buy the product. I took the policy in 2008 for 50K per annum. its charges are so much that they took my first premium 50K as service charges and they are not stopping here..they are charging around 2K on every premium. so far I have given them 1.5 L but my actual amount which will be invested further is only 90K....i have learnt the lesson hard way..only giving this feedback to make others aware of this loot they are doing openly under the nose of govt.
Choose wisely the plan...do not invest at 11th hour and read the brochure instead of asking the agents..if agent promise you something ask for the written doc on same in policy doc.
If you have taken the policy, read the policy document as soon as you get it..about charges, terms and conditions and all.policy can be terminated within 15 days of when you get the document.