In early 2008 Mr. C S Sudheer (Founder of IndianMoney.com) happened to meet an auto driver while working in a top MNC Broking house. The auto driver told him that one of the sales persons from his organization has sold him an insurance policy promising that "If you pay Rs 25,000 once, you will get back Rs 1 lakh after 3 years"?.Mr. Sudheer knew there was no such policy available. When he read the policy document he realized that it was a Regular Premium ULIP policy, where customer has to pay Rs 25,000 each for 3 years. Based on the market performance, customer "might"? get back Rs 50,000 or Rs 75,000 or Rs 1 lakh after 3 years.