Dear Sir, my wife Sunita Singh and my self Dharamvir Singh had taken two HDFC SAP from Mr Vikas, the than RM at the HDFC Bank at Sector-11, Panchkula Haryana. The policy numbers are 1289471&12647271 respectively. The RM informed us while executing the policy that we both will get returns arround 15% at the time of maturity. He further said that the policies can be inter changed inbetween, if, we were not happy about their returns to any other HDFC ife policy which is doing well. In between, i, tried to find about the SAP Policy and its returns from HDFC Bank, HDFC Life and toll free number etc, but no one was either not parting with the information or was not aware about it. Iwas also told by RM that, i, will only have to pay 4 to 5 premiums and the policy would continue. On 30 Dec 11, i some how came across a HSFC Life, Instructor, who informed me that, i, will just get about 6 to 7 % returns at maturity and, i, i will have to pay all 10 instalments. Sir, i am a retired Govt. Official and living only on my pension as source of income and we both would certainly not be able to pay our premium any further. At the best we can afford a out go of Rs 50, 00/- each, which can be invested in HDFC Life guaranteed highest NAV scheme, as advised by the HDFC Life Chandigarh Branch Territory Manager. Please help me at the earliest possible. Regards! Sunita Singh & Dharam Vir Singh.
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