hey there mis-selling occurs only if the customer allows to!!!!!yes its a known fact and people tend to overlook this serious problem all the time.what should be known while buying a ulip is the overall charges that si the initial unit charges,fund management charges,premium allocation charges,accumulation unit charges and hell lot of other charges,hence when you buy a ulip say a lifelong plan the entire corpus is deducted by a sum of a whooping 24% and sometimes even more.however such a ulip will overtake a mutual fund over a period of atleast six years .hence if u want a short-term investment then plz go for a mf and take a pure term plan which is most advisable.the concept of mis-selling is at its worst in ICICI prudential !!!!!!!!hence dikhavon pe mat jao,sirf apni akal lagao!!!! and in doubt plz mail me!!!!!!!
