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Should ‘SBI Life – Retire Smart’ be avoided?

Just got a mail from SBI Life people giving an advt about their  SBI Life – Retire Smart plan.

Link: http://www.sbilife.co.in/sbilife/content/9_7552

Should such linked pension plans to be avoided.

[Myself: 28 years, planning my retirement by 55, have taken term cover. Have started SIPs and PPF]
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