I had Metlife term insurance plan earlier which got converted to PNB Metlife after their business deal. The annual premium payable against date of entry was Rs 5100 pa which got increased after addition of service tax etc. However, the premium by this company has been decreased for the same sum assured for the same plan based on market rates from other insurers but not in my case. The premium being paid by me is much higher ( almost double) than other customers from this insurer or other insurance companies and communication with this company didn't help. I got fooled because of unawareness of market premium and this was my last premium payment as I will exit from this company now.