Hi friends this is tusharpatel I want share with you about max life insurence policy wholelife. I baught this before 3 year that time agent told me about that feature and return. but he never told me I have to pay lifetime and get return after death, if we surrender in between 4 to 5 year you never get anything because they took charges like mortality, surrender etc. so friend never trust any max life agent . before taking any policy from any company please check online that feature and drawbacks.