don't go with it. it is an absolutely shitty plan. right from BM to RM to agent, everyone gets commission when you onboard. I hear that almost 40% of the premium that you pay is transferred as commission to people from HDFC and HDFCLIFE.
Well, I would say this is ok. You get about 6-7% of return after gst deduction. Also, premium is payable from credit card so which gives you milestone benefits.