I have a policy in metlife but I regret for taking one. The ULIP Fund plan(Universal fund) was claimed to be the best in 2006 but now they say the fund is dead and the NAV is too low that I lost ~12k of what I paid. Apart from this, they are not allowing me to surrender my policy too and I have to lose another 14k if I have to surrender. This is the first policy I have taken but I had such a worst experience with the service and product.
After 3 years of investment, I have to lose around 25k.