How is Birla Sunlife High Net Worth Plan?

Hi I m 31 yrs old working in PSU compony as an Engineer, I want to take Birla Sunlife high Networth policy for 50 lacs Rs but I m in confusion that is it worth to take term policy coz if nothing will happen upto maturity then I will not get any money after 30 yeras.Also what is the chances that private co. will perform good still 30 years, I m little bit doubtful about getting claims from private componies. so somebody please guide me how is the plan & what are risk factors with this plan?

Birla SunLife Saral Jeevan Insurance?

Hi,

I purchased a birla sunlife saral jeevan insurance on 18th September of 2008 with annual premium of 90,695.
I am totally newbie to these investment sectors and opted for it as i needed to save my tax urgently. At the time of issuing the agent has informed me that i need to pay it for 3 years though the policy term mentioned would be 20 years and i wont have any loss on the paid amount if not profits. I have paid it for 3 years with a total of 2,72,085. i never expected it to yield me profits and was relaxed thinking that them amount i paid would not go anywhere.
Recently i have checked my fund value and its showing as 1,96,745. i immediately called the agent who sold me the policy and then he told me that it is dependent on the stock market and since its low now your fund value is less. And he also told me that i need not pay here on and go for reinvesting of my existing funds.
But my major concern is that if i reinvest again the insurance premium is going to be deducted from the current funds and its going to become less gradually.
So can you please suggest me what to do?

I would really appreciate your help on this.

I read Birla Sunlife Platinum IV will invest in stocks only Rs. 92,000 if one invests 1 lakh. True?

I read Birla Sunlife Platinum IV will invest in stocks only Rs. 92,000 if one invests 1 lakh. True?
I read somewhere that Birla Sunlife Platinum IV will invest in stocks only Rs. 92,000 if one invests 1 lakh in the scheme. The rest will go as overheads or processing charges. Is this true? Are they a reliable mutual fund house? If I invest, will I end up being taken for a ride?