I had taken ulip from various companies in the name of my son when he aged fron (0.1-4 yrs ) as life insured . I lost my son in a car accident when he almost 5 yrs . On contacting these companies for surrendering these policies i was told no claim will be given as the age of the life insured is below 5/7 yrs varying from company to company and i would get just the surrender value which at the time was even below total premium paid. I want to ask if there is no claim liability of these companies why was my son the life insured in these policies and i was never told by any representative about this clause of age .
I feel i have been cheated by these companies and want to take them to court if you feel i am right in doing so

plz help as i have got no positive response from any body i lost my child on 15-06-2008
if i have been cheated would like that nobody else would be and an ex to made to these companies