Hi i am having max life insurance policy which plan contain Max life secure dreams plan where i am paying Rs.15000 P.A. which is for 10 years i has taken this policy in the year 2009 where checked my statment in just now 2012 which is reflcting half of my premium amount is getting paid in the administrative charge which , i had never seen in any of the insurance compnay is charging such huge amount of admin charges also i paid around 4 premium which is 15000*4=60000 if i want to with surrnder my policy there is a different term they will pay you 70% of your NAV also there is a tregedy NAX is always less then the your principal value , so there is no use by investing in such a bleedy blaster policy they are full filling agent pocket by fooling the custoer if i will invest for 10 years 15000*10= 150000 which is equal amount of 150000 and i will get after money 10 years based on NAV which is always less then the principle then what is the use by investing in such policy , i become fool by investing in this and now i am surrendering my policy but i advice other people not to invest which this company where you will not get even your principal so Pl. be secure