I am a customer of ICICI Pru since last 6 years. I am not a fan of ICICI bank since I have also had bad experiences with customer care as well as bank staff. If you call the customer care or talk to the bank staff for some information, you might get 3 different information if you ask 5 of them. But my experience with ICICI pru has been better. They are prompt and well informed.
I invested in lifetime (starting in 2004) annual premium 20, 000. I paid 5 premiums and surrendered the policy in 2010( 6th year ). I got Rs. 1, 58, 199 as the surrender amount. Which is approx. 14% interest . And the money was transferred to my ICICI bank a/c in 2 working days. I got good returns and it was easy to surrender the policy.
So I am satisfied.