While everyone is talking about the normalULIP schemes of insurance companies, no one is mentioning anything about the above ULIP scheme 1971 of UTI MF, which is a debt oriented ULIP (60% in debit & 40% in equities) with no option for switches. At this juncture what the investors of this scheme should do? Can any one give some useful advice? ARUNACHALAM V arun28@rediffmail.com 20-11-2017.