I have a Aviva lifelong policy LLG1205141. I have started this policy on 14th feb. There agent told me that i have to deposit only three premiums. After that it depends on u to continue the policy or stop paying premiums. I have deposited three premiums (rs. 25000/- per year). In fourth year i stop it, Then they have done in paid up mode & deducted approx 72% from the fund value. Please suggest us that could i get the advantage of new IRDA rule (no surrender charge in fourth year) & how can i get my deducted money.
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