Ask Value Research

High Surrender Charges

The surrender charges between 3 to 5 years are high in the older ULIPs. Study the policy document before redeeming…

I had invested Rs 30,000 for 3 years in ICICI Prudential Life Time Gold. It had a lock-in of 3 years. The fund value is currently Rs 78,000. Should I withdraw my investments?
-Birbal

We would suggest that you shouldn’t redeem your investments for the next 2 years, because the surrender charges between 3 to 5 years are generally high in the older ULIPs. Carefully study the policy document and redeem your investments only after you know about surrender charges that you would have to face.

This article was originally published on March 28, 2012.

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