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Hi, This type of policy is linked one having NAV apart from this there are no of Fund management charges will be deducted from investment every year, any additions will be from 6th year onward only, further benefits will accrue only if all premiums paid w/o break for entire term of policy. If NAV of this scheme shows higher value then only investment shows higher value. Agent might have misguided to sell the policy . You may note that any past performance will not be valid for futures.
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