ICICI Pru Life Time Premier - Info

[Vikram]

I have checked the ICICI Pru Life Time Premier (http://www.iciciprulife.com/public/B...er_Premier.pdf) and found that -
Premium Allocation Charge -
Year1 - 9%
Year2 - 7%
Year3 - 6%
Year4 - 3%
Fund Management Charge (FMC) - 1.39 p.a. Max
Partial Withdrawals - Partial withdrawals are allowed only if the Life Assured is at least 18 years of age. There is a lock-in period of five years for
each top up premium from the date of payment of that top up premium for the purpose of partial withdrawal

Surrender - Surrenders are not allowed during the first five policy years. On surrender after completion of the fifth policy year, the policy
shall terminate and Fund Value including the Top-up Fund Value, if any, will be paid to the policyholder.
5 years and onwards no discontinuance charges.

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[CONFUSED]

Thanks for the info.