I have taken policy HDFC SL CREST.
They promised to give a return of minimum of 5 lakhs after 10 years initially. Now after 6 yeard they are saying this fund is not working good and will give 3.8 lakhs only after next 4 years hence redeem the money which is 2.5 and invest in another policy of theirs for next 5 years. I would have got more interest if I had just left the money in some bank. These people make u buy such useless policies by showing some previous data and play with your hard earned money for their commissions.