Over a period of 3 years I have invested X INR. I have a gain of .2 %. Today when I go to the branch to surrender policy they charge me 10% penalty amount. Even prostitutes are better than those who claim that they will give high returns. Even if they did give a moderate returns of 6% and when I try to withdraw with 10% penalty I still make a loss of -4%!!
Never ever buy ICICI products. Their policy advisers will hide all the important information.