I am extremely disappointed at the SBI life performance. I have been paying premium for last 3 years and I should say the current value for what I paid is just the same as what I paid. So the only advantage of taking sbi life policies seems to be just to lock your money. I expect some letter or information from the company that why the current situation, what are they doing to improvie it. The only support you can get from them - is go to nearest branch or just a call to pay the premiums. I have stopped paying premium from this year since just puttign in a savings a/c can get you better returns.