Guys, if you are planning to take this policy, you are going to lose your hard earned money. Please do a thorough review before taking this policy. If you have already taken this policy and paid 1-2 premiums still you can stop your policy. It won’t give you more than 3-4% return after 15 years(proved).
Don’t go with agent’s word, please download the brochure from the company site and study it thoroughly. I am saying this because I already screwed up with these stupid agents and come to know my mistake now days when I saw the return.