I am the unfortunate victim of ulip policies. I have three policies in my name 306, 525, 27). My total investment in these policies from the date of commencement is inr 000. The current fund value of these policies put together is inr ,000 my wealth has eroded by 1.25 lacs by investing in these ulip policies. At the time of selling the agent promises a min 7% return yoy. These policies are 5 year old and still hugely negative.