Max Life Insurance — Cheating Company

Address:

Vellore, Tamil Nadu

I bought a policy from Max New York Life Insurance Company now name changed to Max life insurance.I bought a policy through my friend 6 years Back who was working at that time, a yearly premium paying plan(whole life policy)including dreaded diseases as mention in the plan.I directly at the office 1st later I started paying online only.Last year in 2014 I did not pay, but I paid this year including the late fee totaling Rs 5304 which I was asked to pay, I have also the bill for it.but when I enquired the company they mailed the details " premium due amount is Rs 32.86 "When I enquired about the surrender they say that only 30 % will be refunded excluding the 1st yr premium.I would get only = Cash Surrender Value = Rs 8, 229.34 Then what about my remaining money.?They say to read the offer documents or complaint against the agent, But the agent is not working in the company.Now I have to pay year 2015's premium.Am not willing to loose my hard earned money again, at least 70 to 75% money refund would be thankful. My policy number[protected], policy taken in vellore branch, Tamil nadu.