Dear Sir

I Harcharan singh took a ULIP Insurance plan from Aviva Life Insurance, commencement date 20-jun-2006, under policy number LLG1235534 annual premium of 50000/-. I paid three full premiums on time. Representative has told me for to withdraw my policy after completion of three year and you will get the amount with interest. But now when I visit in company’s office to withdraw my money they said me surrender value of approx 55000 thousand as a surrender value rest my amount will be deducted against charges, at that time my fund value was approx 100000/-

And after this one of there representative guide me to paid up this policy, and continue the policy without paying any more premiums. I took paid up after guidance of representative of Aviva, I took paid up option, after taking this option, and they charge 60% of total value. And now I confirmed the fund value from company’s office they tell me fund value approx 56000/-

But please tell me sir
What was my fault?
Why I bear the loss?

At the time of selling policy they told me it is a good plan.
Your will get double value of what u will pay after the three years.

But as of now representative’s words are totally failed to fulfill their commitments.

So I request you to please look in the matter and give them instruction to pay my fund value. What I paid, with 10% of interest, which very genuine. I am not interested to continue my policy further in any case.

And please let me know what details or documents you required from my side I will send it to you.

Thanking you

With best regards

Harcharn Singh
09888862266
AMritsar Punjab