i think ulip schemes of all insurance companies take around 22% to 28% of ur savings in the first 3 years. so dont b specific on birla sunlife. its the strategy of ulip schemes. before taking the policy, read carefully and compare other company's schemes also. dont go by the agents bcoz, they wnat to earn commission. i hv observed agents advocating ulip schemes instead of mf investment since in mf, they get comision only once, whereas in ulip, they get comision every year.
