Hello Experts,

I have a question regarding ULIP investment. I have 2 ULIP policies Bajaj Allianz and Birla sunlife. I am paying premium of 20k and 12K per annum respectively. I am not getting good returns on them so far.  I am thinking of withdrawing the money from ULIP and put it in FD. Is this a right decision> or shall I wait for few more years to expect returns from ULIP policies?

Below are the details of these policies:

1) Bajaj Allianz new unitgain plus (20k/ annum premium, I am paying fr last 8 yrs)

i.e., I have paid 1.6 lakhs and the fund value is only 1.73 lakhs

2)   Birla sunlife insurance 9dream plan – life coverage)

Please guide me here.

Regards,

Rahul