Guys
this is to tell u that never buy ULIP polices from insurance firms like icici pru,bajaj allianz etc etc
they promise u the moon 50-100% returns but actually it is all crap.
they cut almost 15-20% premium every year as adminsitrationcharges..
they make u fools
best way is to BUy Term policy+ mutual funds
Sad, but true
ps: all these agents just want hefty commision from ulip(20-40%) thats why the mis sel ulip