I bought unit link insurance policy - ICICI Pru LifeStage Wealth II (ULIP) from ICICI PRU Life Insurance Company (premium on monthly instalment basis), I had paid 3 month premium, but due to some personal financial problem, I am unable to pay premium for this policy.
I had approach ICICI Pru Life - they told me that As per IRDA Guidance- ULIP policy can surrender any time after completion 3 years. So I should have to pay 3 years continously, then only my policy will be eligiable for surrender. But due to my finance condition I am asking that they should atleast return my money.

Pls advice me

Alok

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