I brought endoment plan from the kotak life insurance through agent , agent not providing good service to me never busy any insurance plan through agents they give wrong benefits about the plans I paid the regular premiums but I received maturity benefit of less than paid premium amount ther surrender the policy have lot of rules in the kotak life insurance and not much saving benefits in choosing kotak life insurance but some other plan might be good I didn't enquiry about other plan for tax benefit I selected endoment plan but its not right place to invest for wrong agent advise I was selected kotak life insurance , guys while investing our money think hundreds times then select the company to invest our money