I bought 2cr term plan on policy bazar with the promise of full refund in free look period in case policy surrender. when u want to surrender they make u run to there office where they hardly entertain u and just keep getting one after other documents and say it will take ten days. In few days u get penny as refund.i paid 6600 as monthly premium of which I got 1199.60 as refund. It is waste of money and time. I wud never recommend this company.there are other who hv better charges , less then these and with better services