Alok-Never mix investment with insurance. This rule applies to this Reliance feature. Also, they offer this feature only if you stay with them for long. However, what if the fund not performing well in future? Only because of it’s insurance coverage one must continue? I think it is nothing but gimmick to sell products. Instead stay away from such features and concentrate only on INVESTMENT. You already have term insurance. Therefore why to think this small insurance which they claim to provide at free? Nothing is free, they provide it only in case you stay with them. That’s it.