When I went to open an FD at HDFC Bank, a HDFC Life Insurer approached to me and told “don’t do FD sir, if you do HDFC Life Assurance Plan, you will get 12% interest p.a. and you can stop your policy afterthird year premium paid. I have already paid three yearly premium and now I want to surrender my policy but HDFC Life People are saying if I surrender my policy, I will get only 50% of my premium paid. Be awar of HDFC Life guys. Don’t do any HDFC Life Insurance policy, they cheats investors.