i purchase a policy Birla Sunlife and i deposited 36000/- Rs. from 18-10-2007 to18-11-2010 four instal mant and company didacation of chargas 10709/-Rs. sir on my deposited amount inclued simple intrest 12% per year and calqulat for one & half year then 6570/-Rs. but loss is 15029/-Rs. what is this sir plese gide