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HDFC Bank — Hdfc life insurance linked with home equity loan

I have taken one hdfc property loan...as per my knowledge the there will be an insurance linked to home loan to cover the loan amount in case of any unfortunate incident . The insurance amount will be included in the total fund amount and EMI will be deducted separately. Now I m seeing a separate hdfc life insurance has been linked to the home loan for which I have to pay the premium for 10 years . I couldn't understand how a hdfc life insurance come into the picture and I never wanted a extra insurance for my home loan .
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