My observation:
1- The premium allocation charge for this plan is high in the initial years but it falls to 2% from the sixth year. So as per your query now you get more out of your investment.
2- If you have critical illness rider, it covers 18 critical illnesses under it. Which is good
3- Life enhancer fund is best fund but please note it's positioned for high-risk appetite investors, due to its high equity exposure.
4- Equity Market is now down that also has an impact on your NAV.
5- ULIPs give return in long term but they are not substitute of MFs because they also provide life insurance and critical illness in this policy.
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