i have opted for ULIP insurance policy in Birla sunlife insurance company.. the intila amount i paid is Rs. 14976 second and third year i could pay the premium . but now are saying that after the policy date the will go for default surrender so that they intial amount will be deducted for the second and third year services. so that will recieve only 1000 rupees.. please give the way to get the amount from the company.. is there any compulsion for paying the second and third premuim ..