ULIP is the best investment tool and it depends on investor how he utilize it.But because of tuff marketing senario seller is hiding charges that is very bad .
Birla is one of the bet company in ulip product and lic no dout is legend so many good policies are available in the market but it depends upon your financial planner what he sugests u for any query u can contact on thakur_lic@in.com.Happy investment