HDFC SLIC- is not all that rosy.If they leave your sar to survive we can uthawo it.
I bought this master piece ulip thinking of investment and all my days pass thinking what is in store.They are a bunch and keep changing their words as it suits them.They had promised for reduction in premium to me and made me write 2-3 applications and agreed and when the time for the actual date to pay came up they cooly said you have to pay the initial premium and we will not accept any reduction in your premium.They also have very fancy names like anniversary date and birth day date..when they will say you can reduce your premium .But when these dates come they will change your anniversary dates to whater ever  suits them,...Its sad they do not realise the impact all this has on their customers.I am wiating to get away with this policy..LIC i guess atleast empatises