Sorry Vikas, Not only me but all of them who have really identified their financial needs and security will disagree with you. As mentioned in above aricale they have always prefered an individual to go for TERM plan insted of regular ULIP. If you ask for your life cover with icrease in your corpus than ULIP is only option but if you do not required any secure corpus for your family afer you than you shoudn't be thinking for ULIP.
