The company members are unable to give proper explainations to their sales managers because during selling the policy they guaranteed that the policy after completion of policy will give you a huge benefit but the reality behind that is that the person will not get the real amount even after the end of policy. Makes fool everytime.
There is no effect of share market on policy fund even if markwt increases or decreases they give the less money. And they cant claim medical insurance easily if suddenly any person will die with a reason which are in company terms and conditions.
