If you are going to invest your hard earned money, I suggest you NOT TO INVEST IN THIS. If you think you are sick and not healthy enough and need insurance for your nominees then I will suggest you to go for this scheme (Only if you didn’t find any other insurance better than this).
I am investing 30000 in this since 2007, after 5 years my total investment is 150000 and as per the current NAV, my accumulated amount in this scheme is 143000. I would have earned easily +ve profits if I would have invested in any other scheme of guaranteed return with tax benefited (PPF/RD) or without tax benefited (FD).
I am planning to stop investing in the scheme and keep the existing in this for a long term for maturity, just for Insurance and not for any profit (because I know I wont get any profit as far as money is concerned) :)