Difference in policy statement of Reliance ULIP linked plan policy

We had puchased one ULIP Linked policy from Relience Life Insurance Co. under the plan name of Secure Child Plan Regular in Feb. 2008.The Policy no. is 11543668. In this policy we were depositing Rs. 12000/- per annum. At he time of finalization of purchasing this policy, the agent has informed us that if we wish to not to deposit the premium after 03 yrs of the completion of this policy. it will be ok our policy will continue till next 07 yrs.as Our plan is for 10 years. After depositing Rs. 72000/- till this year, we had got the statement that our present fund value is Rs. 71948/- inspite of the fact that presently the stock market is running in it’s highest valuation. So accordingly our fund value should be higher than the present value. We have also been informed by the INSURANCE POLICY department from the Govt. of India, that in our above policy, there has been an agent code has been generated in our policy. So that all the benefit from the company to us during this period will be awarded to the agent instead of us. At present our real fund value for above policy is Rs. 1,24,000-00. So is there any legal rules are available to recover our above benefit from the agent? Kindly provide us the best support to fight such breaching of the agents. Thanks & Regards Nilesh Doshi cell: 9426223002

Regards
nil_bittu@rediffmail

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