Hello, if you buy unit link insurance plan for investment purpose sure you lose money . if you want insurance plan buy pure insurance don’t buy ulip . if your premium yearly 25000 . better you buy pure insurance plan cost approx 5000 sum assured money better than ulip, rest 20000 you start sip in mutual fund many good fund now available . you can chose from money control .com also . 5 years after u get double return then ulip . please u check properly . talk to your financial adviser first