Hello Sir, Its not always necessary that a player in banking industry is always a champ in investment. So after burning your hands in SBI Life u should not criticise other Unit-linked products. Other Pvt. players in Insurance sector are giving handsome returns, and of course UNIT LINKED LIFE INSURANCE PRODUCTS ARE LONG TERM COMMITMENTS, u must give it a little more time to grow. 3 years is not an enough period to see ur money grow. After all its a LIFE INSURANCE and not a MUTUAL FUND. So again next time look for the past NAV results and then proceed with ur investments and mind well atleast wait for a slightly longer periods, u will b satisfied with the results. REGARDS SITAR.