Kotak Life Insurance — Total Fund became Half After 3 yrs

Address:

Faridabad, Haryana

Hello,
All private companies when started different type of Insurance policy and told to public that there is 3 yrs of locking period of any policy but you get so many benefits, advantages and 2 -3 time money will be increased while as of date what is the reality, every policy holder money became half why?
I want to ask what & where they spend those money that after 3-4 yrs money got half while if you think whatever the cost of any things last 3 yrs, its gets 3 times increases then why only policy holders money gets half.
I want to let you know that this is nothing only LOOTPAT by Insurance Companies.
Shall some one do action on them.