Citibank is a true distributors projecting themselves as financial advisor. Speak to any Citibank Wealth RM and tell him/her you want to invest in a secured plan, long term and regularly...All of them will say Birla Flexi Life Line ..as the product attracts greater than 50% revenue.I am not saying the plan is bad, but most of these so Called Wealth RM work hard to increase the revenue for the bank and incentives for themselves at the cost of ignorant customers. Please check on charges before investing and also suitability of plans as per your financial goals.