myself sukhwinder singh from hoshiarpur and was working as Sales manger(S.M) in kotak mahindra old mutual life insurance at jalandhar Branch(punjab). Before that I was life advisor and at that time ABM Ramandeep singh had logged in my two policies under reduced premiums, one was mine and other was of my friend,

In april 2008, ABM had told me that u can give big amount first year and on second and third year u can reduced to minimum 20,000/- just by giving a simple application to branch manager. Then my friend has given Rs.1,50,000/- under reduced premium, then ABM ramandeep sir said that if u will login 5 lac then we will promte u as S.M ,at that time I was lacked by 2 lac, ABM RAMANDEEP SINGH had told me that u can logged in 2 lac first year and then 2nd, 3rd year u can reduced to 20,000/- then I have logged a policy of mine of Rs.2,00,000/- and I was promoted as S.M under ABM Ramandeep singh.

now when renewal date is coming then branch manager(tejbir singh sodhi) has declined to reduce the premiums. This means that at time they had misguided me, and they are selling products in wrong commitments.

Sir now me and my friend can’t give such a big amounts, so you are requested to help us by giving permission to reduce the premiums, we can give maximum of fifty-fifty thousands on second and third years.

My policy number is :- 01066456 ( SUKHWINDER SINGH)

And my friend’s wife policy’s number is:- 01025274 (Mrs. SUKHWINDER KAUR MINHAS)