[Resolved]  Bajaj Allianz Lic — Not refunding the amount invested even after locking period

Dear Sir,
I had made a policy from Bajaj-Allianz life insurance No.:[protected]. I had made 2 premiums of 15000 each. From an interim stement i found that the money invested was going on loss. So i stopped paying further premiums. That time i was told that the amount can be withdrawn only after locking period of 3 yrs. Now when i'm asking for surrendering the policy & withdraw of my amount, i've been replied that no amount will be refunded as only 2 premiums were paid. Lots of terms & conditions are being told by the representatives to prove that i'm not supposed to get any amount back. All these hidden clauses were never told by the agents during making the policy. Now after keeping my money of Rs.30000 for 5 years it seems that i'll be not getting even a single paisa out of this. Attaching the mail conversation herewith for your reference.
Kindly judge how much it is fair to keep investing my hard earned money in a policy which is giving loss & following which i will not be getting anything returned back from the earlier invested money.