Have you used this product?-aegon-religare-child-insurance-plans

A traditional money back plan which promises money back at regular intervals to take care of the financial requirements of the child. The features and benefits of the plan are as follows: The plan participates in the profit of the company and is eligible to earn bonuses. Premiums are paid for a limited term only On the death of the insured during the term of the plan, higher of 10 times the annual premium or the Sum Assured including the vested bonuses are paid to the nominee subject to a minimum of 105% of all premiums paid till the date of death Money backs are paid in the last four years of the plan. The rate of money backs is 40% of the Sum Assured in the fourth last year and thereafter @ 20% every year till maturity. On maturity, the last installment of the money back, i.e. 20% of the Sum Assured and the vested bonuses are paid The loan can be availed under the plan subject to a minimum of Rs.5000 and a maximum of 60% of the Surrender Value Aegon Life ADDD Rider can be availed under the plan wherein additional benefit is paid in case of accidental death, dismemberment or disability