I was approached by Citbank saying that they have free wealth advisors. I have no dependents and looking at some good investment plans. I was sold Birla Sunlife Policy saying that its an investment plan and they insurance component will make the returns tax free. They got a bunch of documents to be signed. They had stated that the changes will be 2-3% of the premium and not more than that. I was travelling on and off and did not go through the documents which had come based on what citibank had told me. This scheme then started reflecting on my bank account and I realized the Rs 1,80,000 premium now showed only arounf 1,35,000. I called my citibank contact and she claimed its 10% in the first 3 years and I will break even the charges. She said if I discontinue the money will be credited back only after 3 year, so I should discontinue just before the next years premium due date. Due to some financial constraints I have to discontinue the plan and I received no support from citibank. I called the sun birla insurance support directly and they claimed I WILL NOT RECIEVE ANY MONEY NOW OR AFTER 3 YEARS because my surender charges are higher than the premium invested. How can a company not clearly state this before signing. How can they say the entire 1,80,000 will be taken by them just after 3-4 months of investing. I feel this is a clear cheating by citibank and Sunbirla insurance. How can I get my money back. How will the govertment protect people like me.