In general whenever you purchase a Life Insurance policy, pls make sure that your Advisor is techno savvy. It will make a great difference, as I always keep database of my customers and keep guiding them on the shifting of their funds from one to another. At times I also do it myself and which results into faster growth of funds then expected.
If neither Advisor nor the customer takes interest in the money invested it will grow on the grace of God only. The Insurance company is never at fault if your fund does not grow. It is Advisor and the customer who is responsible jointly. If we check the returns on the funds that ICICI has given over the years are apprecialble. So pls dont complaint that ICICI Purlife has cheated you. **. I will try to give you the best solution of your problem.
Thanks and regards,
Nitil Mistry