Aviva Life Insurance Company India Complaints & Reviews

I AM HAVING AN INSURANCE POLICY ISSUED BY AVIVA LIFE INSURANCE CO. IN JUN 2007. THE ANNUAL PREMIUM FOR THE POLICY WAS RS. 30,000.00 AND THE LOCK IN PERIOD WAS THREE YEARS. I WAS TOLD BY THE AGENT AT THE TIME OF ISSUANCE OF POLICY THAT THE POLICY CAN BE SURRENDERED AFTER THREE YEARS AND THERE WILL BE NO SURRENDER CHARGES. I WENT TO SURRENDER THE POLICY AT CHANDIGARH BRANCH OFFICE IN 2010 AND I WAS ADVISED TO PAY TWO MORE PREMIUMS TO GET EXEMPTION FROM SURRENDER CHARGES. I HAD PAID TWO MORE PREMIUMS AND I HAD PLANNED MY FUNDS MANAGEMENT ACCORDINGLY. IT WAS SHOCKING FOR ME WHEN MR. NITIN FROM CUSTOMER CARE TOLD ME THAT THERE ARE STILL 6% CHARGES AND THE SURRENDER VALUE OF MY POLICY AS ON 16 JULY 2012 IS RS. A,30,570.00 AGAINST THE FUND VALUE OF RS. 1,38,898.00 AFTER DEDUCTION OF RS. 8,328.00 AS SURRENDER CHARGES AND IF I PAY ONE MORE PREMIUM , THERE WILL NOT BE ANY SURRENDER CHARGES. I WENT TO PAY THE PREMIUM TODAY I.E. ON 17 JULY 2012 AND I WAS GIVEN ANOTHER SHOCK BY MR. SARAVJEET SINGH EMPLOYEE CODE 121615 AT CHANDIGARH OFFICE AS HE STATED THAT THE SURRENDER CHARGES WILL BE CHARGES TILL THE MATURITY OF THE POLICY I.E. TENTH YEAR OF POLICY AND IF YOU ARE NOT SATISFIED YOU CAN LODGE A COMPLAINT AGAINST ME WHICH WILL NOT BE ENTERTAINED AT ALL. I WAS HIGHLY DISAPPOINTED BY THE ATTITUDE AND THE COMMITMENT OF THE STAFF OF AVIVA LIFE INSURANCE CO. LTD. WHICH COMPELLED ME TO COUNCIL MY FRIEND CIRCLE AS WELL AS CUSTOMERS OF MY BANK (AS I AM A BANKER) NOT TO BELIEVE AVIVA STAFF/AGENTS AND NEVER TO INVEST WITH AVIVA LIFE INSURANCE. MY EXPERIENCE WITH YOUR COMPANY WAS THE WORST EXPERIENCE I EVER HAD IN MY LIFE.


ANITA SAINI
POLICY NO. LSP1581986
MOB. NO. [protected]

Dear Sir/Madam,

Pls confirm As per terms & Condition Aviva life insurance policy bond if not delivered to customer Speed Post office Return To Mumbai(Mahalaxmi) Aviva office then why Below mentioned document forwarded to again & again to customer without Concern Aviva life insurance company.
Awaited your reply.

Regards,
Aviva Life Insurance Company India Ltd.
2nd Floor "A" Wing Central Bombay Info-Tech Park Modern Mills Compound, Sane Guruji Marg, Mahalaxmi (East) Mumbai – 400011 India.
Tel: +[protected] Fax +[protected].

Hi,

The mentioned policy LFG1432673 from AVIVA LIFE INSURANCE was in force and i have never delayed in premium payments(Amt Rs 25000 yearly) for last 5 years (including the current year). I had ULIP plan of Aviva in which my 100% Amount was in Growth Fund and on 23/08/2011 i switched the fund to balanced fund by looking at the NAV they were offering me and the amount was approx. Rs.235,000. On 29/08/2011 i opted for surrender of the policy at Thane branch of Aviva but they told me that there is some technical issue at their end so they can't tell me the surrender value. I then contacted the customer care and got the surrender value as Rs.234,000. On 14/09/2011 i got an amount of Rs.118,854. I called the customer care and reported this as a complaint but they said there was a technical error at their part, i personally visited Ghatkopar branch and explained the scenario still i was not helped enough to atleast tell that we are checking the same will get back to you. I mailed the issue to the customer care and i got a reply that i need to read the PQIS(Premium Quotation and Illustration Statement) which is not feasible as the policy depends on market conditions. Kindly help me solve the issue. It is the companies duty to inform the customer about the pre-closure and drawbacks. The complaint was also raised to IRDA on 27th Sep 2011 but no revert till 6 months and now when i checked the status of the complaint there is no such complaint(Complaint No.[protected]. I assume the complaint will be registered and will get a help concerning the same ASAP. Below attached is the screenshot when i checked the policy details.

Thanks and Regards,
Sudhir P

Hi,

I am Prashanta Dey. I had purchased a term insurance policy (Policy No: ALA3087058) for 25 lakhs for 30 years from Bajaj Aviva Life Insurance around 7 monthes back. After going through various other option available with me, I selected this policy. That’s thee worst mistake I made in my life. During the course of 7 month itself when the time was due for my 2nd premium payment, due to some issue with my Citibank Suvidha account, the payment was not through. When I saw the same, I had made call to their customer support no([protected]); that’s the 2nd mistake I have made. The guys working there are the most unprofessional bunch of jokers I have seen in my life. I myself belong to customer service profession and have interacted with many customer support (vodafone, Citibank, ICICIBANK, airtel etc). I had to make three calls to them highlighting the problem and telling them that premium is not paid, so please tell me options available. 1st two times the so called customer service executives spoke to me as if they are doing some favour and no follow up was done on my case. Meanwhile I get two calls from another no from Mumbai ([protected]), telling me that they haven’t received the premium. I tell the lady thee entire story and with her response I felt she was lost somewhere and didn’t know what to tell me. On asking who she is, she only told me she is calling on behalf of Aviva and her job is to call all customers from whom payment not received. Meanwhile on 13the June 2012 I receive a sms that my policy will lapse for non-payment of premium on 16the June 2012. When I call the customer care once again, they tell me that only option is to visit thee Aviva branch office in my city and get this sorted. When I initially asked them to send someone to collect a check payment from me, they told me it’s possible, now they are telling ,me that the payment has to be 5k or more, then only they can send a person and my half yearly premium falls short of Rs.195/-(Rs.4805/- is my half yearly premium). After spending almost 2 hours on thinking how to solve this problem, I have decided to give up and let the Aviva enjoy withe the initial Rs.4805/- they got through my 1st premium payment. Their online site www.aviviaindia.com sucks big time.

My sincere advice to anyone reading this post, pls stay away from this, as their company insurance policy really sucks. For more such post from many other frustrated customer pls refer to moutheshut.com.

A very frustrated customer
Prashanta Dey

Dear Bosses.


I Vijay Singh had joined aviva life insurance as sales manager under Mr.Vijay Salvi on 1 may 2011 and worked for three months and i i have resigned the company on 15th august 2011 still my 45 days salary as not been cleared by aviva i have followed with mr vijay salvi for 2 months then he was not picking up my calls and i was not getting any answer form HR Department...


Name-Vijay Singh
Employee Code-29423


Kindly look into the matter,i am a middle class man family man that amt is very valuable for me...And i am asking for what i had work.


AND NOW I HAVE ALSO MAIL TO MR.SANDEEP MAILK,THEN ALSO NO REPLY FROM THE COMPANY,SO PLS TAKE SOME ACTION AGAINST THE COMPANY

I had bought term insurance online with avivaindia on 13/3/2012 and paid 6007 as premium.
After some days they said that premium will increase and sum assured will decrease as per their rules and regulations.
I refused to carry out further transactions with the compan and asked for refund.
They paid me 50% of amount and have kept 50% with them telling it as my medical check up expense.
I should have been informed before the medical check up as to increase in my premium.
There was no problem in my health reports.
They should have checked my financials before sending anyone for my health check up.

Hi,

I too have been cheated in the exactly same manner in Pune during Nov 2007. I was wooed into taking up this Save Guard policy and was promised, that I can withdraw my money after 3 years and there will be no charges. I was paying a hefty 1 lac premium p.a. and now after paying a total of 4 premiums (i.e Rs. 4,00,000), my fund value is only Rs. 3,20,000. If I choose to surrender my policy now (well beyond 3 years), I am getting only Rs. 3,00,000 after deduction of surrender charges. An outright loss of Rs.1,00,000. I can't believe my bad fate.

These AVIVA agents are daylight dacoits and target people like us who believe in them thinking they are giving us a plan for a better future.
Avoid them at all costs and keep your hard earned money with yourself or in FDs of reputed banks (or RBI) and earn 9.6% p.a. guaranteed appreciation.

I am feeling very cheated and am closing my account immediately with Aviva. I wow never to return to them, in any form, ever in my life.

S Ray

Dear Sir,

I am just being mentally harassed and being made to run for my money from pillar to post by Aviva Life Insurance.

By way of introduction I am Sandip Roy and I held 3 Aviva Life Insurance Policy. All three policy was surrendered and in the policy surrender form I requested for the payment to be made to my NRE Bank Account. Required information as requested by Aviva was all given and scanned photocopy was also provided to them. This took place on the 13th of April 2012. Today it has been 25 days since the surrender and I havent received my money.

Numerous letters have been sent to Aviva but all you get as an email repsonse is a cut / copy / paste reply. Aviva Officials are also very uncouth and do not know how ot speak to their customers. You will find series of my communications along with them and see how unresponsive they are being.

I am writing to you in complete desparation to help me get my money back and help me receive the right justice.

Kind Regards,
Sandip Roy

******************* communications to Aviva ***************************




On Mon, May 7, 2012 at 2:16 PM, Sandip Roy <[protected]@gmail.com> wrote:

Gents

I have not had any intimation over my case and I do not seem to understand where we are over the pending concerns.

Can someone act with some responsibility here and do what is required to fix the mess.

I expect a phone call from an Aviva member to explain what is happening over the Surrender Policy Value and the compensation of loss of revenue.

Thanks
Sandip


On Mon, May 7, 2012 at 9:43 AM, Sandip Roy <[protected]@gmail.com> wrote:

Morning,

I have not had any update yet over my current standing.

I expect a phone call made either to myself[protected] or to Ms Nisha ( [protected] ) with appropriate update over

1) Credit of my Policy Surrender Value to my NRE Account
2) Compensation for loss of revenue -- now standing on 26 days.

This is just ridiculous and I can only hope that someone reading this acts as a responsible representative if Aviva and gets the act right and in action.

Regards,
Sandip


On Sat, May 5, 2012 at 3:01 PM, Sandip Roy <[protected]@gmail.com> wrote:

Dear Representative of Aviva,

I am currently very tired and extremely disgruntled with the manner I have been treated by Aviva. All I get to hear from anyone I speak to in customer service is a copy / past reply which now has me with zero trust and faith in your customer service team.

After a series of emails and chase from my end, which I have enclosed in here for your quick reference, I have now been asked to ensure an email goes out to the complains team as well.

As of last evening I received a call from Mr Manmohit Singh ( Finance Office Gurgaon ) who has told me that I will now receive my money in my NRE Account only on the 8th of May 2012. I am amazed that I have to wait this long for my money in spite of mentioning this requirement clearly in my policy surrender form.

Despite being promised my Mr Manmohit Singh that he would send me this confirmation as given by him over telephone, in email I am amazed that once again I am let down by Aviva as I have yet to hear from him or anyone else.

I want to know how is Aviva going to make good all this loss they have create for me. Starting with my policy surrender value which needs to be credited to my NRE Account and then the loss of interest which I have now borne due to non receipt of my money since the 13th of April 2012.

I want a concrete reply and I am not going to let this go.

Regards,
Sandip

[protected]

On Fri, May 4, 2012 at 9:30 AM, Nisha Mendonca <nisha.[protected]@rediffmail.com> wrote:

Dear Diju,

As per our discussion, I understand that the case is now with your finance team to execute the credit of 25L. As I mentioned to you, I would require you communicate the urgency of this case and have this closed on absolute top priority today. Also, as discussed, I need to informed about the progress on this – the queue at finance and confirmation of credit.

I do appreciate your involvement to get this sorted out and I am counting on you to have this credit done today itself.

Dear Customer Service team,

I would urgently require an update on the status of compensation (reference trailing email)owing to the extreme inconvenience your company has put us through and the loss of money due to delay in transfer of funds. All formal documentation has been completed as per your requirement. Please have the compensation credited into Sandip's NRE account, the details of which have been provided to you on multiple instances.

Please call me on [protected] for any clarifications.

Regards,

Nisha Mendonca

On Thu, 03 May 2012 16:49:17 +0530 wrote

>

Dear
Diju,

Thank you
so much for your email.

Trust you
will understand my frustration as all I keep hearing in polite terms is '' We
will keep you updated on the progress ''... but I do not see any progress at
all. I am yet standing on ground zero with surrendered policies and no money in
my account. I may also mention Diju, this is my hard earned money and I have
already now lost 20 odd days of interest over the same.


To add to
my misery I have so called responsible officers speaking in a very impolite
tone to my family member - to quote Mr Rajaram who was extremely rude to Ms
Nisha Mendonca in person stating '' Sandip can go complain to the Consumer
Forum or whomsoever he may like '' and also hanging up on her phone call.


I do not
understand that how can an organisation as esteemed as yours can even succumb
to such low standards and speak to customers in such a demeaning tone.


At this
moment I need you to live up to your commitment and have my money credited to
my NRE Account as stated in my surrender policy form of which a copy is with
you already ( in email and in your systems ).


I have
already suffered a lot of financial loss due to Aviva's short coming and I need
to know what is Aviva going to do to make good my loss.


Regards,

Sandip



On Thu, May 3, 2012 at 2:09 PM, Diju Jose-BSG wrote:









Dear Mr Sandip

We have received your request and have forwarded the same to our Policy Servicing team. Will keep you updated on the progress.


Regards,

Diju Jose
Zonal Manager - Branch Services Group

Aviva Life Insurance Company India Ltd.
101 Jaisingh Business Centre
Sahar Road, Andheri East, Mumbai 400099
Phone Direct:[protected] Fax:[protected]


Mob: [protected]


From: Sandip Roy [mailto:[protected]@gmail.com]


Sent: 03 May 2012 15:19

To: Rajaram Jeyaram Pandian-BSG/vashi/aviva; Diju Jose-BSG

Cc: customer services/gur/aviva; Nisha Mendonca

Subject: Re: RE: URGENT: Policy Surrender Request



Dear Rajaram / Diju,





I have attached the letter with all required details. I would require the money to be immediately credited into my account. I am extremely angry with the treatment I have received. This is just unacceptable and I need this sorted immediately.






You will have 2 letters enclosed in here


1) Urgent Transfer Letter


2) Policy surrender forms as presented to your branch





I need you to allow Nisha Mendonca to liaise along with your team and yourself to have my money sorted appropriately.

Regards,
Sandip Roy


On Thu, May 3, 2012 at 11:29 AM, Nisha Mendonca wrote:
Dear Sangeeta,



Required details are below :



Date of birth : 24th April 1980



Correspondence address : IBM ME , DIC ,PO Box – 27242,



Residence address : 106, UNA Appartments, Street 1A, Greens, Dubai.



Mobile No: +[protected]



You will appreciate that since Sandip is based in Dubai, he is unable to visit the branch and follow up for closure of this issue. He is extremely upset with the responsivness of AVIVA and requires his money to be IMMEDIATELY deposited into his NRE account.
All this inconvenience is due to goo[censored]ps by your team and for no fault of his, he is undergoing so much of inconvenience.



I have been following up with the Andheri East since yesterday on this, with no concrete response or resolution.



I have also copied Sandip in this email in order to eliminate any security related queries you may have.




Please call me on [protected] immediately to inform me about the status of the transfer of money into Sandip's account.



Regards,



Nisha Mendonca









On Thu, 03 May 2012 12:26:24 +0530 wrote

>









Dear Sir/Madam, UIN:

122L016V02 122L045V01





Thank you for writing to Aviva Life Insurance.

This is in reference to your appended mail regarding policy numbers

APG1830370, RPG1820685 and APG1827964 with us.





We would like to inform you that your e-mail ID through which we have received the appended e-mail is not

registered with us. In order to attend to your query/concerns we request you to please provide following details for verification:







· Date of Birth of the Policy Holder



· Correspondence address registered in our records





Trust you will appreciate that due to security reasons we would require above mentioned details.





We would like to thank you for giving us an opportunity to serve you.



Should you have any further clarifications, you can get in touch with us at any of the touch points mentioned below.



We at Aviva are pleased to serve you. We look forward to building our relationship with you to fulfill all your life insurance

needs.



Yours sincerely,

Sangeeta Juneja



Customer Services Group

Aviva Life Insurance Co. India Ltd.



We will be happy to hear from you. Allow us to keep in touch on a regular basis by updating your contact details.

:

www.avivaindia.com|)

1800–180–2266 / 0124–2709046 (Mon - Sat; 8AM-8PM)|@
[protected]@avivaindia.com















From: Nisha Mendonca [mailto:nisha.[protected]@rediffmail.com]





Sent:[protected]:52



To: customer services/gur/aviva



Cc: [protected]@gmail.com



Subject: URGENT: Policy Surrender Request







Dear Customer Care team,







I visited the Andheri East office to follow up on the resolution of the issue elaborated in the trailing emails by my cousin – Sandip Roy.







After spending over 1.5 hours at the office this morning, I was promised an update on the resolution of the grievance by 1600 hours today. There has been no response as yet!







I have also been trying to get in touch with customer services on[protected] and [protected] as well as the Andheri East branch on[protected]Extn 1070),[protected],[protected],[protected] and [protected], but, in vain! There has been no response from


any of these numbers. This does not reflect good customer service.







In view of the above mentioned several unsuccessful attempts to get in touch with your company, I am writing to you on behalf of Sandip Roy, who is also copied on this email.







As discussed with the grievance redressal team at the Andheri East Branch, including Nisha, Sriram and another senior team member, please urgently provide status on the below:







1.Status of cancellation of cheques and deposit of Rs. 25L into the NRE account listed on the form filled on 13th April for withdrawal of policies – APG 1830370, RPG 1820685 and APG 1827964.







2.Reasons for the following errors on the part of AVIVA :







a.Incorrect information provided to Sandip Roy , when he visited the Andheri East office on 13th April.





He was told by the staff that the money would be credited into his NRE account, for which, statements from 2008 – 2012 were collected from him. When I visited the Andheri office today, I was told that since a draft was provided instead of a cheque for the first


premium, it would not be possible to credit the money into the NRE account directly. I was also told by the staff that the cheque bounced for the first premium. This is incorrect and can be verified via the bank statements provided to you. It was on request


from AVIVA that the first instalment was paid by draft.







b.Negligence on the part of AVIVA not to have mailed a repatriation letter along with the cheques in order to facilitate deposit of the cheques into the NRE account







3.The extent of compensation required for the above errors and the resulting continuous follow ups which we have needed to make for no fault of ours. We would require at least Rs. 13,000 for the uncalled for delay (of 3 weeks) in deposit of Rs. 25L. This has


been conservatively calculated at the rate of 9.5% FD interest pa.







Please note that it was clearly mentioned on the form submitted that the money needs to be credited directly into the NRE account. All required documents were submitted and verified by the staff at the Andheri East branch. We would not require the cheques and


will not accept anything else besides a direct credit into the account.







Also, please note that it has become extremely painful and annoying to have to follow up with various team members with no concrete response. Please give me the contact details of a senior officer who is in the position to take a decision regarding this and


authorise immediate direct transfer of 25L and the said compensation.







I anticipate resolution in line with the above requirements made by me latest by tomorrow, failing which, we will be approaching the Consumer Complaints board and the Press.







Regards,







Nisha Mendonca



([protected])








Note: Forwarded message attached







-- Original Message --







From: Sandip Roy
[protected]@gmail.com



To: Nisha Mendonca
nisha.[protected]@rediffmail.com




Subject: Fwd: Policy Surrender Request



[protected] Forwarded message[protected]From: customer services/gur/aviva



Date: Tue, May 1, 2012 at 3:00 PMSubject: RE: Policy Surrender RequestTo: Sandip Roy





























Dear Mr.�Roy,������������������������...⇄ 122L045V01/




122L016V02



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Thank you for writing to Aviva Life Insurance.



�



This is in reference to your email regarding policy number APG1830370/ RPG1820685/ APG1827964 with us.

��������







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We would like to inform you that your concerns are being dealt with top priority and may we request you to allow us 2 days to revert to you

�regarding



the same.



�



We would like to thank you for giving us an opportunity to serve you.



�



Should you have any further clarifications, you can get in touch with us at any of the touch points mentioned below.







�



We at Aviva are pleased to serve you. We look forward to building our relationship with you to fulfill all your life insurance



needs.



�



Yours sincerely,



�



Mayur Jain



Customer Services Group



Aviva Life Insurance Co. India Ltd.



�



We will be happy to hear from you. Allow us to keep in touch on a regular basis by updating your contact details.







:



www.avivaindia.com|)



1800�180�2266 / 0124�2709046 (Mon - Sat; 8AM-8PM)|@
[protected]@avivaindia.com







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From: Sandip Roy [mailto:[protected]@gmail.com]







Sent: Tuesday, May 01, 2012 12:31 PM



To: customer services/gur/aviva



Subject: Re: Policy Surrender Request







�











Mayur,











�











I have been only receiving emails from Aviva stating that I would get an update shortly.















�











However it has now been 20 days and I am at loss for no fault of mine.











�











I need prompt action to be taken now and I need to understand how will I be compensated for my loss.















�











I am seriously going to post a grievance letter in the News Papers and let all people know about how Aviva is not providing a secure life insurance but



a secure life nuisance.











�











Sandip











On Tue, May 1, 2012 at 10:39 AM, customer services/gur/aviva



wrote:



















Dear Mr.�Roy,������������������������...⇄ 122L045V01/ 122L016V02












�







Thank you for writing to Aviva Life Insurance.







�







This is in reference to your email regarding policy number APG1830370/ RPG1820685/ APG1827964 with us.

��������











�











We regret for the inconvenience caused to you.



We would like to confirm that your concern has already been forwarded to our concerned authorities



and we would update you on the status shortly.







�



We would like to thank you for giving us an opportunity to serve you.



�







Should you have any further clarifications, you can get in touch with us at any of the touch points mentioned below.











�







We at Aviva are pleased to serve you. We look forward to building our relationship with you to fulfill all your life insurance needs.











�











Yours sincerely,







�







Mayur Jain







Customer Services Group







Aviva Life Insurance Co. India Ltd.







�



We will be happy to hear from you. Allow us to keep in touch on a regular basis by updating your



contact details.



:



www.avivaindia.com|)



1800�180�2266 / 0124�2709046 (Mon - Sat; 8AM-8PM)|@
[protected]@avivaindia.com







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�



�



�











From:



Sandip Roy [mailto:[protected]@gmail.com]







Sent: Tuesday, May 01, 2012 10:51 AM















To: customer services/gur/aviva



Subject: Re: Policy Surrender Request























�















Sir / Madam,











�











I have been struggling with receiving my surrender policy value in NRE Money for no fault of mine.















�











My policies have been requested for surrender on the 13th of April and I have submitted all the



necessary documents as requested to be submitted during time of surrender. These have also been ticked and marked as checked and received in the Surrender Policy form.











�











I have received the surrender value in cheques as on the 21st of April in mail inspite of indicating



and highlighting that the money needs to be credited to my NRE Account. All of this information was provided.















�











The cheques received do not indicate NRE and neither was I sent the Repatriation Letter in order



to help me deposit the same in NRE Account.











�











I have raised this request since a while now and its now the 1st of May.











�











I am losing out FD Interest @ 9.5% p.a. which I could have started earning since the 13th of April.



The principal value being 25 Lakhs, I have as on date lost out on Rs 13000/- because of no fault of mine.











�











I need to know who will bare this inconvinience for me and when am I going to see an issue resolution



here.











�











Regards,











Sandip











On Tue, May 1, 2012 at 8:02 AM, customer services/gur/aviva



wrote:



















Dear Mr.�Roy,������������������������...⇄ 122L045V01/ 122L016V02












�







Thank you for writing to Aviva Life Insurance.







�







This is in reference to your email regarding policy number APG1830370/ RPG1820685/ APG1827964 with us.

��������











�











We would like to inform you that we are highlighting your concerns to our concerned department and would update you on the same shortly.















�



We would like to thank you for giving us an opportunity to serve you.



�







Should you have any further clarifications, you can get in touch with us at any of the touch points mentioned below.











�







We at Aviva are pleased to serve you. We look forward to building our relationship with you to fulfill all your life insurance needs.











�











Yours sincerely,







�











Mayur Jain











Customer Services Group







Aviva Life Insurance Co. India Ltd.







�



We will be happy to hear from you. Allow us to keep in touch on a regular basis by updating your



contact details.



:



www.avivaindia.com|)



1800�180�2266 / 0124�2709046 (Mon - Sat; 8AM-8PM)|@
[protected]@avivaindia.com







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�



�







From:



Sandip Roy [mailto:[protected]@gmail.com]







Sent: Monday, April 30, 2012 6:11 PM



To: customer services/gur/aviva



Subject: Re: Policy Surrender Request















�







Dear Sandeep,











�











Thank you so much for your response. Feels nice to communicate along with�my own�namesake.
















�











Sandeep, I have submitted all required documents as requested by Aviva during my request for Policy



Surrender. This also included a photocopy of my NRE Bank Statement which highlighted all payments of 2008, 2009, 2010, 2011 and 2012 respectively.











�











On looking into the scanned copy of the application enclosed before you will also notice a check



marked against that requirement as received by Aviva.











�











I request you to please look into the scanned documents saved in your system during the acceptance



of the surrender policy form and help me to proceed positively.











�











Looking forward to your response.











�











Thanks











Sandip











On Mon, Apr 30, 2012 at 3:07 PM, customer services/gur/aviva



wrote:











�



�



Dear Mr.�Roy,������������������������...⇄




122L045V01/ 122L016V02



�



Thank you for writing to Aviva Life Insurance.



This is in reference to your email regarding policy number APG1830370/ RPG1820685/ APG1827964 with us.

��������







We understand your concern we would like to inform you that inorder to get the cheque encashed



into your NRE account may we request you to submit sufficient bank proof (Bank declaration / Statement) which helps to segregate the number of premiums made by NRE a/c post which we will issue you a letter with the help of which you can encash your cheque




in your NRE a/c.



We would like to thank you for giving us an opportunity to serve you.



�



Should you have any further clarifications, you can get in touch with us at any of the touch points



mentioned below.



�



We at Aviva are pleased to serve you. We look forward to building our relationship with you to



fulfill all your life insurance needs.



�



Yours sincerely,



�



�



Sandeep Naagar



Customer Services Group



Aviva Life Insurance Co. India Ltd.



�



�



We will be happy to hear from you. Allow us to keep in touch on a regular basis by updating your



contact details.



:



www.avivaindia.com|) 1800�180�2266 / 0124�2709046
(Mon - Sat;

8AM-8PM)|@



[protected]@avivaindia.com



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�







From:



Sandip Roy [mailto:[protected]@gmail.com]







Sent: Sunday, April 29, 2012 4:18 PM



To: customer services/gur/aviva



Subject: Policy Surrender Request















�



Dear Sir / Madam,



Trust all is well at your end.



By way of introduction I am Sandip Roy and I was holding 3 policies along with Aviva -



APG 1830370



RPG 1820685



APG 1827964



I visited the Aviva Office located in Andheri East, Mumbai on the 13th of April 2012, where in I made a request to surrender all 3 above mentioned policies. My request was



duly accepted and I completed the required surrender form and also submitted the required documents as needed to ensure that a smooth surrender process is achieved. Please find enclosed scan copy of acceptance.







I am extremely pleased with the customer service and help I received from the office staff.







I was under the impression that the policy surrender value would be credited to my NRE Account as mentioned in the application form. However I have now received 3 separate



cheques in courier issued on Axis Bank to me delivered to my address in Dubai, U.A.E.



Could you please advice me as to why was this done ? Do I now need to deposit these cheques in my NRE Bank Account in order to be credited with the surrender value ? The



cheques received do not in any manner mention the money to be termed as NRE and I am not certain on how to approach this. I was expecting the credit to be done in my NRE Bank Account based on the mentioned information as provided in the Policy Surrender Form




( as enclosed for your quick reference).



Could you please advise me on my query at your earliest.



Many Thanks



Sandip Roy



[protected]















�















CONFIDENTIALITY NOTICE: This e-mail and any files transmitted with it are



for the sole use of the intended recipient(s) and may contain confidential



and privileged information. If you are not the intended recipient, please



contact the sender by reply e-mail and destroy all copies and the original



message. Any unauthorized review, use, disclosure, dissemination,



forwarding, printing or copying of this email or any action taken in



reliance on this e-mail is strictly prohibited and unlawful. The recipient



acknowledges that Aviva Life Insurance Company India Limited (which in



this context includes it�s affiliate entities), is unable to exercise



control or ensure or guarantee the integrity of/over the contents of the



information contained in e-mail transmissions and further acknowledges that



any views expressed in this message are those of the individual sender and



no binding nature of the message shall be implied or assumed unless the



sender does so expressly with due authority of Aviva Life Insurance



Company India Limited .











�























�















CONFIDENTIALITY NOTICE: This e-mail and any files transmitted with it are



for the sole use of the intended recipient(s) and may contain confidential



and privileged information. If you are not the intended recipient, please



contact the sender by reply e-mail and destroy all copies and the original



message. Any unauthorized review, use, disclosure, dissemination,



forwarding, printing or copying of this email or any action taken in



reliance on this e-mail is strictly prohibited and unlawful. The recipient



acknowledges that Aviva Life Insurance Company India Limited (which in



this context includes it�s affiliate entities), is unable to exercise



control or ensure or guarantee the integrity of/over the contents of the



information contained in e-mail transmissions and further acknowledges that



any views expressed in this message are those of the individual sender and



no binding nature of the message shall be implied or assumed unless the



sender does so expressly with due authority of Aviva Life Insurance



Company India Limited .



















�



























�















CONFIDENTIALITY NOTICE: This e-mail and any files transmitted with it are



for the sole use of the intended recipient(s) and may contain confidential



and privileged information. If you are not the intended recipient, please



contact the sender by reply e-mail and destroy all copies and the original



message. Any unauthorized review, use, disclosure, dissemination,



forwarding, printing or copying of this email or any action taken in



reliance on this e-mail is strictly prohibited and unlawful. The recipient



acknowledges that Aviva Life Insurance Company India Limited (which in



this context includes it�s affiliate entities), is unable to exercise



control or ensure or guarantee the integrity of/over the contents of the



information contained in e-mail transmissions and further acknowledges that



any views expressed in this message are those of the individual sender and



no binding nature of the message shall be implied or assumed unless the



sender does so expressly with due authority of Aviva Life Insurance



Company India Limited .



















�



















CONFIDENTIALITY NOTICE: This e-mail and any files transmitted with it are



for the sole use of the intended recipient(s) and may contain confidential



and privileged information. If you are not the intended recipient, please



contact the sender by reply e-mail and destroy all copies and the original



message. Any unauthorized review, use, disclosure, dissemination,



forwarding, printing or copying of this email or any action taken in



reliance on this e-mail is strictly prohibited and unlawful. The recipient



acknowledges that Aviva Life Insurance Company India Limited (which in



this context includes it�s affiliate entities), is unable to exercise



control or ensure or guarantee the integrity of/over the contents of the



information contained in e-mail transmissions and further acknowledges that



any views expressed in this message are those of the individual sender and



no binding nature of the message shall be implied or assumed unless the



sender does so expressly with due authority of Aviva Life Insurance



Company India Limited .

















































FollowRediff


Deal ho jaye!to get exciting offers in your city everyday.





















CONFIDENTIALITY NOTICE: This e-mail and any files transmitted with it are



for the sole use of the intended recipient(s) and may contain confidential



and privileged information. If you are not the intended recipient, please



contact the sender by reply e-mail and destroy all copies and the original



message. Any unauthorized review, use, disclosure, dissemination,



forwarding, printing or copying of this email or any action taken in



reliance on this e-mail is strictly prohibited and unlawful. The recipient



acknowledges that Aviva Life Insurance Company India Limited (which in



this context includes it’s affiliate entities), is unable to exercise



control or ensure or guarantee the integrity of/over the contents of the



information contained in e-mail transmissions and further acknowledges that



any views expressed in this message are those of the individual sender and



no binding nature of the message shall be implied or assumed unless the



sender does so expressly with due authority of Aviva Life Insurance



Company India Limited .





























Follow Rediff
Deal ho jaye! to get exciting offers in your city everyday.












CONFIDENTIALITY NOTICE: This e-mail and any files transmitted with it are

for the sole use of the intended recipient(s) and may contain confidential

and privileged information. If you are not the intended recipient, please

contact the sender by reply e-mail and destroy all copies and the original

message. Any unauthorized review, use, disclosure, dissemination,

forwarding, printing or copying of this email or any action taken in

reliance on this e-mail is strictly prohibited and unlawful. The recipient

acknowledges that Aviva Life Insurance Company India Limited (which in

this context includes it’s affiliate entities), is unable to exercise

control or ensure or guarantee the integrity of/over the contents of the

information contained in e-mail transmissions and further acknowledges that

any views expressed in this message are those of the individual sender and

no binding nature of the message shall be implied or assumed unless the

sender does so expressly with due authority of Aviva Life Insurance

Company India Limited .

policy No. ALM[protected]
Date : 21/12/2011
Recipt No : 28067
Collection Form :Shell Transorce LTD.
Rs : 25000
Bank : The Mahila Vikas Co- Operative Limited..
Cheque No. 378926
Collected By : DeepakBhai. ( m ) [protected]


Respected Sir ,


I m writing this later to make u realize about the worst service of your policy department . one of your employer , mr. Deepakbhai had given a deposit cheque and the cheque no is 30509. this cheque was not accepted by the bank and thatswhy i used to contect at the customer Care and they asked about Health Form.Then a person came and have my signature on the health form who was sent by Mr. Dilip bhai. Though this process was done , the policy was not inform. I called again at the customer care and they told me that they did not get any health form .So again a person came from your office of ahmedabad and again had the health form. After that proccess i called on this number - [protected] and the receiver told me that your policy will inform in 2 days. But the policy did not inform and i called again at the customer care nearly 20 times or more. But i got no responce and no result. So on 15th-feb- 2012 i talked with Gyanvati Mam. She told me to talk with Abhijit Sir and he told me that he had got the Health form and the process is going on and when the process will complete the policy will inform. On the same day ( 15th feb -2012 ) i talked at the complain Department with Mr GAurangsingh at gudgau and he told me that nothing process will be done by us till we did not get the Health form. One month passed but nothing process was done and they again asked about the health form. this way they asked me to apply for the health form 4 times and i also did 2 e.mails but i did not get any responce. so I contect to MR Abhijit Sir and he contact to Mr Joy sir at the complain department and he told me firmly that it will done tomorrow . But it was not done and i talked with him more than 2 hours and then my policy was inform finally.The unit rate was around 27 on 27th december 2011 and the unit rate was around 30 on 27th february 2012 . Because of only the major mistake done by your companies, i had got the loss of rs 3 per unit. And the most important was the trobles and problems from which i suffer because of your mistake only.


Now can you please kindly tell me what process you had done in this problem and this matter????? As i know you did not have even the number of your office at ahmedabad till today (19th april 2012.) And also tell me how is your company doing the process???????? you have to pay the loss from which i suffer. And one more question which I want to ask if there is any responsable person in your company.Ialled at the customer care for the 30 times and there was no responce.there is no responsable person in your company??? And when i talked about it on 15th march 2012 , in reply they told me that your policy was inform now what you want and now what???? is it the sence of talking???? It only meant that you did not do any process till 3 months of complain and without saying sorry or without asking for forgiving or without promise to repay my loss you are behaving like you are doing a favor or oblication on us...... Is it your way???? I hope you will do proper steps and make my loss to be paid ..

I m requesting you to pay your most urgent and serious attention to this matter and see that the things change for the better.. And you will take some steps after reading this latter towards your company....

The policy of Freedom life plan for 10 years with 3 years lock in period was taken by me.(Year 2009)

The agent from AVIVA has wrongly interpreted the lock in period as 5 years now. Now when I went to FC road branch, the fund value was 62,000. and When I surrender the policy the amount came in to be 29,000 .

Premium paid: 25,000 per year total=75,000 paid for 3 years till date.

I want my money back as this is pure case of fraud by AVIVA as an insurance company.

It was very important for me get the money back.

Regards,

Mrs S Hegde

HELLO ONE,
I HAVE TAKEN POLICY IN AVIVA LIFE INSURANCE ON MY MOTHERS NAME FOR 25OO RS MONTHLY PREMIUM AND THEY AGENT TOLD THAT IT WOULD BE COMING AROUND 180000 AT THE END OF THE 3 YEARS AT WHEN I COULD WITHDRAW THE AMOUNT .

THE AGENT CLEARY SPECIFY 3 YEARS AS MY LOCKIN PERIOD

BUT THOUGH I PAID FOR 4 YEARS, I CANNOT WITH DRAW THE MONEY WHAT I PAID, I CHECKED WITH AVIVA THEY TOLD THAT THE SURRENDER VALUE IS ONLY 61000 RS BUT I PAID 120000 RS .

THEY ARE CHEATING EVERY ONE SO PLS HELP ME, THESE ARE MY HARDLY EARNED MONEY.

I have purchased a policy to inspire from advertising by Sachin Tendulkar. As guided by the agents I had to pay only three instalments in this policy. Accordinly I paid three instalments and I thught to surrender after 5 years.But Aviva comp. sent me a cheque of Rs. 15000/ and closed my policy.This was very shockful to me any how I balanced myself and consulted to my wellwisher and ultimately they suggested me to continue the policy hence I was force to continue my policy.But I dont know that still it is benifitial or not. God knows.

Dear Sir/Madam
I was ex employee of Aviva life insurance my employee code was 0372,

with the instructions from the head office had submitted the necessary documents but nothing had been done son far.
My PFno DL/25803/367

Kindly do the needful
K P Rajendra

பெண் சிசுக் கொலையை தடுக்கவும் ,பெண்கள் படிக்கவும் அடிமைத் தனத்தை நீக்கவும்.முன்னேறவும். பெண்ணுரிமை அமைப்புகள் போராடிக் கொண்டிருக்கின்றன. அரசும் அதற்கான நடவடிக்கைகளை எடுத்துக் கொண்டு இருக்கிறது .ஆனால் aviva போன்ற ஆயுள் காப்பிடு நிறுவனங்கள் இறந்த பின் சேவை செய்வதற்கு பதில் இருக்கும் போதே பெண் குழந்தைகளின் தாயை தற்கொலைக்கு தூண்டுகின்றன.
கடந்த 11 /09 /2008 அன்று ஒரு பெண்மணி தன் 9 வயது பெண் குழந்தையின் படிப்புக்காக பெண் குழந்தைகள் பாலிசி policy no.ALS 2157409 ஒன்று எடுத்துள்ளார் .
முதல் கோணல் முற்றிலும் கோணல்
என்பது போல் அப்போதைய சென்னை.1 விற்பனை அதிகாரி புவியரசு அவருக்கு கமிஷன் கூடுதலாக கிடைக்க வேண்டும் என்ற நோக்கோடு பெண்கள் திட்டத்திற்கு பதில் அவருக்கு ஏற்ற திட்டத்தை கொடுத்துள்ளார் . அவர் அளித்த வாக்குறுதிகள் 3 வருடங்கள் கட்டினால் கட்டிய தொகை பல மடங்காகும் .
நடந்தது என்ன?
வருட பிரிமியம் rs15000 .3 வருடங்கள் கட்டியுள்ளார் .எந்தவொரு சேவையையும் பாலிசி தாரருக்கு தராமல் premium allocation charges , policy administration charges , morality charges ,plus service taxes என்று எடுத்தது போக மிச்சத்தை பங்கு மார்க்கெட்டில் முதலீடு செய்து
மொத்தக் காசும் போய் விட்டது என்று கூறி நான்காவது வருட ஆரம்பத்தில் சட்ட விரோதமாக autoforeclosure என்று கூறி பாலிசி யை குளோஸ் செய்துவிட்டார்கள் .(that day policy status 1043.085 units @ NAV rs28.71. it's value rs 29958/-)
chennai branch க்கு நேரிலும் , customer care ஐ phone email மூலம் தொடர்பு கொண்டார் AVIVA செய்தது சரி என்றார்கள் .IRDA வில் புகார் செய்தார்.15 நாள் நேரம் கேட்டார்கள் . இதற்கு மேல் இந்தப் பெண்ணால் என்ன செய்ய முடியும் . நீதி மன்றம் செல்லக் காசும் இல்லை . கொடியவர்களை எதிர்த்துப் போராடும் துணிவும் இல்லை . அவர் பெண் குழந்தையின் எதிர்காலதிற்கு அவர் இது நாள் வரை உழைத்து AVIVA வில் சேர்த்த பணத்திற்கு ஏமாற்றம் தான் மிச்சம் . இந்த அபலையின் கண்ணீருக்கு பதில் என்ன?. கண்ணகி காலத்தில் இருந்து தமிழ்ப் பெண்களின் நிலை இது தானோ . ஆண்டவனுக்கே வெளிச்சம்.
AVIVA Awards and Recognition
FOR Aviva Great Wall of Education
Silver at Effies 2011 ( Effective Advertising Awards)
Bronze at the Effies 2010
gold at the SPIKES Asia Awards, 2010
"Corporate Social Responsibility Award"
Aviva was ranked 4th in the Best Workplaces in India.

To
The Principal Officer,
Aviva Life Insurance Company India Limited,
Prakashdeep Bilding, 2nd Floor,
7, Tolstoy Marg,
New Delhi-110 001, India

Dear Sir,

Reg. : Utter fraud by your representative, Mr. Ashok Bajaj, Sales Manager,
Kolkata

Ref. : Name of the Policy Holder : Madhusudan Goenka
Policy Number : NFL3051529
Sum Assured : Rs. 12,50,000/-
Premium Amount : Rs. 1,00,000/-(Yearly)
Date of Policy : 24.12.2010

With immense grievances, disappointments & resentments, this is to apprise you that your captioned representative had put an undue influence by showing rosy pictures & unrealistic terminal benefits for above referred Policy with ulterior motive. Moreover, contrary to the contention of “Welcome to the world of Aviva Life Insurance dtd. 27.12.2010” despite of my constant follow-ups since last 6 months, your Sales Manager of Mr. Ashok Bajaj has not been responding and paying heed, it is conceived that it is pre-meditated habitual practice of a self proclaimed Company like yours which emphatically contradicts your Rosy Picture shown at the time of selling policies such as “One of the most trusted insurance companies, the Aviva Group has over 300 Years experience in the Global Life Insurance business. Our wide range of insurance solutions ensures peace and prosperity throughout your life ”. I have already brought my grievance to your cognizance by E-Mail dtd. 14.10.2011,

As “Life Insurance” connotes, it is supposed to be a firm patronage against any misfortune on the life of the Policy Holder at any future date, but you are deliberately indulged in cheating innocent & helpless citizen of India like me by persistent follow-ups, false assurances, fake references in a bid to victimize and place the people on

“Fool’s Paradise”, who pays exorbitant premiums by sacrificing certain necessities with a prime motive to secure the life against any adversities. You have degraded & tarnished the healthy tradition of Govt. owned insurance Companies, in the insurance business fraternity and literally made this business a CRUEL MOCK, which is punching & causing serious set-backs & nervous breakdown to general public like me.

On perusal of monthly Portfolio Report being sent to me, it is observed that there is drastic fall in Fund Value day by day against the First Premium of Rs. 1,00,000/- paid to you on 24.12.2010, which is appended herebelow :-

Month Value Date Fund Value
August’ 2011 01.08.2011 80,796.00
September’2011 01.09.2011 80,796.00
October’ 2011 01.10.2011 72,504.00
November’ 2011 01.11.2011 74,031.00
December’ 2011 01.12.2011 74,031.00

Above statement spells out your inconsistencies & volatile trends, made me a heart patient and draining out abnormal outlays in my medical treatment. A laymen will reckon that the money being invested must beat rampant inflation, i.e. if rock-bottom interest rate @ 15% is considered, surrender vale on 01.12.2011 for Premium Rs. 1,00,000/- paid on 24.12.2010, ought to have been Rs. 1,14,096.00 {Premium Amount Rs. 1,00,000/- + 14,096.00(Interest @ 15% for 343 Days)}, it is rather 74,031.00, a havoc short-fall of Rs. 40,065.00( Rs. 1,14,096/- minus Rs. 74,031/-), the percentage of reduction works out to be 40.07%(Approx).

Under this pathetic circumstances, you are requested to bail me out to indemnify me by paying Rs. 1,00,000/- + Interest @ 15% from 24.12.2010 till the date of disbursement, as it is pre-requisite and the onus to compensate me lies on you, altogether.

Soliciting your for your expeditious redressal of my genuine hardships, as being elaborated, here-in-above, at sympathetic gesture.



MADHUSUDAN GOENKA
[protected]

Encl. : Monthly Portfolio Statements from Aug’2011 to Dec’2011 & Receipt of First
Premium paid with relevant documents.

I would like to bring your attention w.r.t. Aviva’s gimmick for attracting the customers by displaying low premium and charging double by demanding more premium once a person comes into aviva’s net.

I had applied for aviva i life online. As per the site after considering my age and non-smoker the premium for Insurance for undersigned amounted to Rs. 13,593/- There were no other terms and conditions mentioned (Snap shot of the same is attached). Accordingly I had paid the said amount of Rs. 13,593/- on 03.01.2012. As per their instruction I had my medical check up on 08.01.2012. Since than, I had not received any message. After my 3 reminders on 9th , 11th and 13th of Jan-11, I had received a mail from AVIA that you would have to pay Rs. 10,258/-more considering your medical conditions, customers details etc.
The Pollicy proposal no. NUP75042279 & Policy no. AIL0029402 was given to me.

If these types of conditions were clearly mention / displayed with the proportionate increase in premium w.r.t. to any deviation in medical conditions and customer details, I would have already known the approximate amount for insurance and accordingly selected or rejected for considering aviva.

May I request your good self to intervene in this matter and do necessary for issuance of my policy as per promised amount in their web site i.e. for Rs. 13,593/- instead of charging double as in this case.

Sir,
I had a life insurance policy with AVIVA LIFE INSURENCE COMPANY INDIA bearing policy no.WLG 1474772. I have paid four annual instalments totalling to a sum of Rs-86203 . Now, it is stated by the company, vide letter dated[protected] that my policy bearing No.WLG 1474772 is auto-foreclosed since the surrender value of the policy is less than first year premium and cheque for Rs- 20319 is also enclosed. In this regard, i had requested the company's [protected]@avivaindia.com on[protected] to give detail showing how my money diminished to less than the first premium of Rs 20000/. It was once again reminded on[protected]. But till date, there is no replay from the company. A letter was also addressed to the company and sent by courier on[protected]. For that also there is no replay.
Kindly help me in this regard to get my hard earned money back

Dear Sir,

I had purchased a policy from Aviva through an agent Aviva Freedom Life Plan policy no-RFG1644673,At the time of Purchase Aviva agent told me that you need to pay premium only for three years,I did not received the documents of policy for three years after many efforts and call i got the documents after 3 years when i went through the term and condition,I was surprised to know that premium paying term is 20 years not three and if i surrender before 20 years there will be charges ,Then i asked Aviva to cancel my policy because after geting the documents you can close the policy within 15 days because that is the colling period they said we can not do that because it's been three years if you cancel then need to pay surrender charges,After 5 years i surrendered my policy and after paying the 5 premium of 30000 total 150000 i have got only 110599 rupees.Which is injustice i paid 150000 then i must be geting at least the same amount .

They said you have got wrong information from your agent and that agent left the Aviva.


Kindly help me out in geting my invested capital of 150000 rupees.

Regards
Sarvesh

Dear sir/madom,
i have given 15800/- premium forpolicy in march 2011 but till date i have not received any document regarding policy.i am not happy compnay services i can,t relationship with company in future kindly canceal my policy asap.

Thanks
manjulata

I had a policy with AVIVA LIFE INSURANCE for which I use to pay a half yearly premium. I was told by the insurance agent that If I pay premium for 3 years regularly even if I miss out payment of the same, policy would not lapse. I could not pay the premium in June and when I went To pay the premium on 9 December 2011 I was informed that the policy has relapsed . I was never informed during this period. Moreover when I called the customer care center the executive was too rude to attend the call and was not ready to answer any of my queries. I was told that I can withdraw the money. The premium amount I have paid is Rs.64682 where as the money value what I can withdraw (Policy fund value) is Rs. 38490. I would like an appropriate action be taken and my policy may be revived.
Vatsala Tiwari