AVIVA
Early Surrender Charges

This is regarding AVIVA POLICY NLG 1248265, which was done by ABN AMRO on my behalf.

I have paid 3 installments for it Rs. 87000, which amounts to 2, 61, 000. I have come to know form your customer services that the Policy has lapsed with paid up POLICY OF 1, 31, 000.

Which means that :

1) AVIVA is saying that policy can not be reinstated

2) AVIVA has taken early surrender charges more than 1, 22000

At present AVIVA is telling me that you can take 1, 31, 000 now of the 2, 61, 000 or you can wait because the policy will fluctuate with Sensex fluctuations.