Kotak Life Insurance — policy no 03232573

Address:

Mumbai City, Maharashtra, 401105

I am Anil Kumar Choudhary.
I have took kotak policy on dated 18/5/2015.
My policy No is 03232573.
After 1 years i have realise that policy term and constions are not fullfield to me, as commited by the manager, he forced me to tok policy.he is not explain that time properly.after i contact him he is trasfered to another bank.
I called to kotak bank insurance customer care.
They said you have to complete 3 years lock in period.
Now 3 years completed but bank is saying that you will get only 50000/-
and i have paid of Rs.162000/-
My questions is bank making fool to me as per policy term.
I have to pay 54000 p a till 10 years .
after 16th year i will get 48000 p a.
But if I put money in FD i will get more that 48000 in 16th year.
Plan is very bad and i want my money back in my account. otherwise i will file a case on kotak insurance bank.
My contact No:- [protected]