Birla Sun Life — death claim

Dear Sir, My grand father has taken Birla sun life insurance policy No [protected] Dated 25/01/2008 unfortunately he expired 0n 02/06/13, I have submitted the death claim on 11/07/13(receiving enclosed) but when I was accepting a claim money I received a letter on27/07/13 that your claim can not be settled as your policy was terminated on 25/02/13.Sir I would like to know some questions,Q1 If policy was terminated before why we were not informed ?Q2 If policy was terminated before , sir as per my knowledge and law , I should receive the foreclosed amount?Q3 If policy was terminated before how the branch staff accepted the death claim?Q4 Sir as per insurance law the customer should be informed before the termination of policy so that if he wants he can continue it, where is that letter , sms ,or mail?Q5 Sir at last I would like to know that a brand Co. like Birla sun life has no responsibility toward its customer?Q6 My policy was 3 year pay premium mode for which I fully paid. In spite of getting interest my whole amount become zero in the name of charges for which even I was not known .Sir I have asked the same questions to Birla Grievances centre for which I have send at least 10 mails and even a telephonic message for which I am getting the same answer that“Your complaint have resolved your policy was terminated “They have no answer to my any questionSir in my opinion life insurance is done to provide economical aid to family members of the insurer and not for harassments.Sir with very heavy heart I have to say that insurance policies are not for the interest of common man but just to misguide or mislead them.so please take the action & do the necessaryWith lots of expectationsRegardsRajeev Arora