It more or less miss-selling of the ULIP product by the agent to hit the targets and get good commission. Not everybody understand the complex product. Most of the agent, I met said to me that you just have to pay for three years. Because lock in period is three years. Nobody told me about the charges I would incur in first three years or what I would get after three years. It’s not all the ULIP products are bad, it’s who is buying and what is the time horizon and purpose of buying insurance. If the purpose is only investment then investor is in the wrong boat.