It is total waste of time and money. There will be no benefit compared to other policies due to heavy administration charges, you will never see your fund value rise with market.even after 3-4 years, it will be loss only.Better put in FD than this fund.Never ever go for their ULIP. I have seen many people putting their hard earned money falling for their lucrative words and when I saw them visit their office while I was there once, I felt so bad. Please change for the good by reducing the service charges giving customer more value or you close your office. They have the worst ever fund policies.