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Reviews in Admanya are generally unbiased as they are from the consumers themselves. It is the user feedback that lends credibility on which you can rely on to make a better purchase decision.
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I have learnt that I should never invest in anything which I don't know of
No proper guidelines on the returns and policy details
As most of them have said I invested in Aviva life-long ULIP 2 years back with an assurance that I can move out of it after 3 years with profit. I have already paid 2 years premium and last week called up to check my policy status and investment returns and to my horror and shock I was told my money is worth only 24,000. I am dying to get back to India to move out of this policy immediately. The fault is also on my side as I didn't check with the reviews of this policy before investing and I totally believed on the customer rep that I can move out after 3 years without any surrendering charges.
This is a lesson learnt and I sincerely advice whoever is thinking about investing to stay away from this ULIP policy. Indeed I thought they might have just gone for the fixed deposit in any nationalized banks with a rate of 8% interest I would have defiantly got more that what I have paid rather than giving it up to someone for no reasons.
But to my surprise I had a customer service guy who explained me that if
I keep paying for another 10 years I might see returns as the surrendering charges after 10 years is 0%. What a crap and at the end of 10 years. they will tell that the market is bad and your returns are worth 50 % which is 2.5 lac and and to hear this I have to wait for 10 years and pay the premium every year, how insane is that.
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