My personal experience with these all private sector like ICICI Pru, Reliance life insurance, Bajaj Alianz are very worst.
The agents come to you and make you fool like anything but the reality is that u will not get good return..as market are volatile so do not trust on all these agents and policies. Better invest in fixed deposit or PPF. Atleast you will get good return with interest rates applied on this. But in ulips what ever you have deposited there is no guarantee that you will get your capital too.