ICICI Prudential LifeTime ULIP - Keep or Surrender?

[PolicyWala]

You can take following riders with the above plan -

1. Critical Illness Rider
2. Major Surgical Ride
3. Accident and Disability Benefit

I would suggest to keep the policy because the charges you have paid in 1st, 2nd are on high end and 4th onwards it's less. And it's always suggested to see the performance after 10 years for a ULIP plan.

[CONFUSED]

As you have mentioned that the ULIP plan current return is 3.5 lakh, I would say its good. Because as per your post 30% of your premium, you have lost in charges. Now your premium is be invested completely. If you are comparing with stock market, it's not good because the imsurance company is also providing life cover. I would recommand you hold.