I have almost 9 policies from ICICI Prulife. Being NRI, we are the target by ICICI Bank and Prulife branch managers. I was having certain policy which I do not remember the name. The so called branch manager came along with her colleague to review my policies and provide me advise. After reviewing my policies, they informed me that out of 7 policies, 5 are good and other two are not giving good benefits to the policy holders. Now they started dirty trick and I was trapped. I complained that everyone selling the product claims that their recommedation is the best as I was forced by ICICI Bank staff to buy so called "best product". They replied that, that was the reason they are meeting the customers directly from ICICI Prulife. Now they trapped me in the following manner. " Sir, we are not forcing to buy our product. But suggest you that whatever premium you are paying for the two policies, you can stop and take new policies which are the best(namely Guaranteed Saving Plan)". This way I started taking another two policies from them. But unit linked policies are also not appreciating along with market. Market may be 15 - 20% appreicated including small, mid and large caps. But the policy is appreicated somewhere like 4 to 5%. when it comes to surrender value where I wanted to discontinue the policies due to their poor performance, market linked policies have better surrender value. Looks to me that major% of our premium is used for fund managers and paying commission to the bank managers(brokers) and agents. Rest something is going actually towards policy premium. End of the day, I seems that I may get 50% of what I paid after deducting GSG, Tax, etc. Better keep the money in FD and get paid. This will be easy to liquidate in case of emergency also. In ICICI Prulife, we may end up with losses instead of any benefits. I learned that avoid visiting Prulife office. If required you have to be deaf to listen to their recommendations. So many time I visited their branch, everytime the suggest that if I wait for couple of years, the deductions/penalties will be less or take some other better product.