Ask Value Research

ULIP Surrender Charges

Don’t redeem your ULIP investments between 3-5 years because you may face high surrender charges…

I invest Rs 2,000 per month in ICICI Prudential’s Smart Kid fund for my child, which will complete 3 years in March. Should I continue investing in it? If I stop my investments after 3 years, when can I redeem them?
-Shugan

This is a ULIP policy provided by the ICICI Prudential Life Insurance Company. We would recommend that even if you stop paying the premium now, don’t redeem your investments between 3-5 years because you will have to face high surrender charges.

This article was originally published on March 06, 2012.

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