[Resolved]  ICICI Smart Kid Plan — Refund of amount

Sir,
Iam having an ICICI smart kid simple Policy (no [protected].
The thing is, i have been paying Rs 10 430 as yearing premium since Nov 2004.
Now i want to either convert the plan into unit linked plan . But when ever i ask the ICICI pru life people.They say it is impossible. Now, im left with no option but to refund the paid amount.
Now, the ICICI people say that i will be getting only 35% of paid amount that too deducting one year premium amount. i.e out of the RS 50,000 i have paid i will be getting 16,000 only. Iam a poor soldier with IAF . The money is a hard earned money . i would like to get back the amount at the earliest. i have no problem i they deduct minimal charges for any admin charges.
Thanking you