MAX new york policy whole life plan No Bonus

This is complain against MAX new york policy whole life plan.
In this plan i paid 10k per year till 3 year and stop for pay next premium as they told me that i got bonus after 3 year .
But now i didnt got any bonus on this and they always call me for due premium and i am asking to them that how i got amount .

They answer me \\\\\\\\\\
Dear Mr.Jain

Thank you for writing to Customer Services – Max New York Life Insurance.

This is with reference to your query regarding policy number 326783438

We would like to inform you that in order to surrender the policy we would require a duly filled and signed surrender form from policy holder along with the policy document.
You may either submit the above document in our general office in your location or may directly send the same to our Head Office at the undersigned address.
Please find below the surrender value details as on date:

Cash Surrender Value: RS 6,327.55

Surrender value = Cash surrender value

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They deduct my 24k in charge after 3 year of my premium and want to give me only 6327 rs this is a big cheating by any company .They deducted my 80 percent amount after three year .
Please told me the way that how much i got my full amount.

SUNNY JAIN
sunn.jain11@gmail.com

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