An agent is really pushing to get me to invest in the above policy for my 14 year old child. He is saying that the annual premium will be around 20K for 2 lakhs sum assured and that the premium paying term is 15 years. After 6 years, my child will get assured 10k per annum, perhaps more. Since the agent happens to be a relative, I cannot say an outright no. If this is a good investment, then I will go for it, otherwise I will have to decline giving some good reasons for the same. I appeal to the community here to please help. Thank you all in advance. Regards,