It is not that way, Mr. ATUL - Please understand that ULIPs are destined to be long term Investments - so over a period of time, the initial loading fees gets negated & averages out to be around 4-5% every year, which is nominal. The high fromt end charges on ULIPs is to make sure people don't with draw the amount after 3 years lock-in period gets over & to promote long term savings.
