I am a teacher in Govt. school and we have to do some investment to save the tax, unfortunately I buy the ICICI Ulip Plan for the premium of 10000/- PA. After 4 years I get only 41022/- , the insurance agent told me that after 4 years the amount will be more than twice. This is request to all the members that donot buy any insurance plan before reading their terms and conditions. Contact atleast 5-10 companies then only will get to know that what is the main difference.