Reliance life insurace is a very cheatd company .my personal experiance I open one policy by his agent he tell me every year pay 10000 thousand for three years and you will get minimum 45000 thousand in after 4 years but when I check my policy my total balance 18000 thousand .I ask company staff he tell me market groth is not good so your money not gain . I tell him your agent tell me after 4 years you get 45000 above if not groth your money you get 30000 thousand above . he tell me its is true but market not grow so your money not groth . very cheated staff and company.