I’ve taken Birla Sunlife in 2009 and i’ve invested 60k, as the fund value went down to 50k next year, i’ve not paid premium, the next two years, now you guess the money i’ld be getting, 7, 700, they looted all the money which was invested and saying some crow and bull stories about admin charges etc and looting all the peoples money. Even the fundvalue is mentioned as 49k, they say they’re taking 42k as admin charges, they are the looters of india and our goverment is encouraging people like these without taking any action. I pity myself, I was eagerly waiting for the money which I invested, when called them back, they gave a stupid reply that your surrender value is 7700/- bloody looters of india. Shame on them, to take money from people... Please don’t ever invest in ulips like these, Atleast you buy shares, you’ll have satisfaction that you’re investing direct money, and losses are risk factor in that, and the risk factor can be a max of 10-20%, see the risk factor of this ULIP, 90% loss, they’re indirectly taking all your money, even the banks who cheated would be caught by police one time or the other, but these insurance companies are taking money in white colors..