Third class service and they are cheaters. Never ever opt for this. While taking money they are not bothered about the identity of person giving money but while refund or surrender of policy they want to communicate with policy owner only and that too with registered mobile number and phone number.
When the policy is surrendered they try to misguide the policy owner by saying that the NAV will increase and cancel the surrendered request and they don’t even respond when surrendered the policy second time.
There is no benefit of any of the metlife policy and they just want to make profit from customers money. I was paying premium of Rs 25000 and out of which Rs 3000 is deducted every year from profit which is 12% of invested amount.