Atul asked, Hi, i have ICICIPru UlIP life insurance for ovr 4 yrs now. is it a good option to come out now? coz i dnt see much return in it...20K/Yr Sailesh answers, hi, ULIPs typically take 7-8 years to break even, This is mainly on account of the high administrative cost that is deducted from the premium on the initial 5 years.