Exide Life Insurance Complaints & Reviews

I am writing to complain that i was invited by bajaj capital from nellore district and was forced by your agents to sign me up for life insurance policy. So, i wanted to cancel my insurance policy vide number : 03891056 as i don't seem to be interested continuing with it. Please offer a refund of my premium paid for the sum of inr.6459. Kindly do the needful at the earliest.

I am a policy holder with exide life insurance since year 2017. It is exide life new fulfilling life whole life plan
And my yearly premium is rs. 28000 which is paid for 1 years, this was great challenge for me like me to pay yeatly. The agent who got this insurance done had informed as after 3 years you are liable to get the premium amounts paid. I wanted to surrender the policy since had an emergency. But it was a shock to know that...

Sir last nov 2017they are cheated me to open a life insurance policy, for one time amount of 62350/-on that time they told me that after one year my policy will be in monthly payment mode, but when it clear one year then massage come to deposit the whole money of 61350/-, this is not fare, now i want my money back, please help. Sir. My policy no is 0365274

श्रीमान आपकी कंपनी एक्साइड लाइफ इंश्योरेंस का नाम लेकर कुछ लोग फ्रॉड कॉल कर रहे हैं जिससे आपकी कंपनी का नाम खराब हो रहा है आपकी कंपनी में जो पॉलिसी करवाई जा रही हैं वह पूरी तरह से सुरक्षित नहीं है उसकी सारी डिटेल कुछ साइबर क्राइम वाले चुरा रहे हैं जिसका वह गलत फायदा उठा कर कस्टमर को कुछ पैसा जमा कराने के लिए कहते हैं और उनसे लूटपाट करते हैं जिससे आपकी कंपनी का नाम खराब हो रहा है अतः श्रीमान से निवेदन है कि मैं कुछ नंबर आपको दे रहा हूं चीन के खिलाफ तुरंत कार्रवाई की जाए ऐसे साइबर क्राइम वालों को सजा करवाई जाए नंबर से कॉल आए हुए मैं आपको उपलब्ध करवा रहा हूं[protected], [protected], [protected], [protected], [protected]
श्रीमान आप मुझसे कांटेक्ट भी कर सकते हैं मेरे नंबर हैं[protected] विजय प्रताप सिंह

My name is Ampreet Kaur. I joined Exide life on 03/10/2018 as a financial advisor. On the very first day, I was shown a rosy picture of the various achievements and career opportunities I could pursue once I join them. They told me my salary would be fixed only after giving 6 policies worth 2lakhs which I accepted. Also I was told that the offer letter would get generated once I passed the IRDA exam.I paid the exam fees, got trained, gave the exam and passed it. In the meantime, the manager asked me to arrange one policy to get active but no employment letter was issued.

After trying a lot (I went on customer calls with my manager also) as I was not able to turn around any policy I thought of trying other options side by side. I started giving interviews and fortunately got selected for a bancassurance profile in a different insurance company under direct payroll. Now in order to join, I would require an NOC to be issued by Exide life. However when approached, they denied asking me to submit at least one policy to issue the NOC. Also the branch head of Guwahati Bora Service branch (Mr. Utpal Bora) indirectly threatened me that he would provide a negative feedback for me when approached by my new company for verification.

Now my offer letter is stuck in the due process just because I was not issued an NOC in time. They are harassing me in a way asking me to go on 7 more calls if still I failed then they would issue me the NOC out of satisfaction. This unprofessional behaviour and harassment to a female colleague is not at all appreciated and especially when its about my career. I want an appropriate action to be taken at the earliest for all the mental harassment I have got after joining this company and please help me with the NOC asap else I am all set to take legal action against Exide.

I state that myself arup mondal (Employee code: 73334) have been cheated & tortured by exide life insurance co where i was working for last one year.

I have joined at exide life insurance co., golpark branch, kolkata -700029 in june'17 for the post of deputy channel development manager under baburam mahapatra, chanel development manager.

They have given me offer letter of (Fixed salary), later i came to know that the salary is variable which i never expected like this co. Like exide life, i worked several corporate sector but they never played with our career as well as salary.

I did 80 lakhs business during my service period and i did business 40lakh in march'18. There were a contest for trip goa, dubai, spain and barcelona in our designation in march'18. Criteria was to do 26l business with 4 nos recruitment of agents. I did business 40 lakh with 7 active agents and qualified all trip as documents attached herewith. There were a option if i would not go at trip then have trip encashment facility in this co. I did business in march'18, qualified in this month but i have not received encashment payout till date. Also they paid me half salary in june'17 and june'18.

On 6th june'18 mr baburam mahapatra (Branch manager of exide life, golpark branch, kolkata) threatened me with slang languages at office premises in front of all people and tried to hit me with his shoes as i requested him regarding my trip encashment payout. He always asked me to submit resignation and ordered me not to come in office. I was very much afraid to go at office as he threatened me to hit me by outside people.

He gets support by his bosses to do it, he told me many times that he could do anything as he has good tuning with his bosses.

I have come to know that he channelize my payout in other way by taking help with his bosses to get credited directly in other [protected]@30%, he had taken my payout (Rs. 12l) and understood with his bosses without taking my any consent.

Baburam mahapatra always shouted me to resign else they would terminate me and they added that i would not be able to get any job further.

I have reported top local management and hr regarding their behavior which they did with me but no action have taken.

After getting huge tortured i have been submitted my resignation on 31st july'18 forcefully which i never wanted.

I am praying at exide top management by sending mail for last 7 months to give my encashment payout and two months salary which they deducted but they are not listening anything.

I am getting very much afraid now a days because mr baburam mahapatra are threatening me over phone and are following me regarding my movement as i am sending mails.

Rvp of east knows everything, i informed him everything regarding my matter but i didn't get any help from his side. This time he is supporting baburam mahapatra as well all his fraudulent activities which he did with all senior citizens people, had taken my payout rs. 12 lakhs and are taking all leaders payout day to day.

Exide life office details:

Exide life insurance
Krhitij jain
Md & ceo
No: 3/1, 3rd floor
Na, jp techno park
Miller road, bangalore -560001
Phone no:[protected]
Email: [protected]@exidelife

I never seen like this company (Exide life) who are taking their poor employee's payout like me, who are working with a nominal salary rs. 15k like me whereas rvp is getting salary 1 crore, rm is getting salary 25 lakhs, baburam mahapatra is getting salary 10l although he is earning 50l from his business.

This is shame... This is shame!!!

Moreover they have taken my payout rs. 12 lakhs, me and my family is suffering huge losses due to this. My wife prayed rvp to clear my outstanding when i was hospitalised but he didn't listened anything.

Shame..!!! Shame!!! Shame...!!!

Rvp are supporting the fraud person who have taken my payout and my all leaders payout, many leaders reported against him but he is totally silent.

I inform that exide management charged me rs.13000/- due to non submission of notice period at full and final settlement, how could i serve notice period, baburam mahapatra always told me not to come in office, he always threatened me to hurt by outside people. I am praying for last 7 months for my payout, they charged rs. 13000/- without giving my payout rs. 12 lakhs and release letter.

I am very very poor person, have a family and son who is reading at school, he unable to sit at examination due to non payment of school fees, i am in very very crucial position, starvation for day to day, i am very sick lying on bed without any treatment.

I declare that i am very very sick by thinking of my outstanding payout of exide, job had taken by exide local management forcefully, i am lying on bed without any treatment due to proverty, i am sure that i will be die due to proverty, exidelife local management as well as exide life will be responsible for my death.

I write to pray to please take necessary action and kindly do favour me to get my trip encashment payout rs. 12 lakhs and compensation for taken my job forcefully and due salary to get me and my family life alive which could be finished at any time.

Yours faithfully,

Arup mondal
Employee code: 73334

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Insuranceexide life insurance cheated by exide life insurance, golpark branch
Exide life insurance — cheated by exide life insurance, golpark branch

1 review
Ro rocyy on nov 2, 2018
Mark as resolved

Sub: complaint against exide life insurance for their fraudulent activities

Request for cancellation exide life insurance policy no: 03747862, 03747894, 03780492 & 03780493

This has reference to my above complaint,
I am sending you mail by explaining in details:

They cheated me by taking my hard earned money which i got from my retirement benefit. They told me that to take one time policy from exide life insurance which would be as like as bank fd and i would get rs. 24000/- pm as interest. They told me that it could be encash anytime whenever i wish as like as bank fd.

They added that to inform them when i would received my one time policy/fd bond at my residence and that should be kept in their custody/exide branch without cutting that one time policy/fd bond's envelope to process my [protected]@24000/-pm.

And as per their advice i had handed over my 4 nos of above one time policy/fd bond (Sealed envelope) to them when i had received it without cutting all envelope.

When i had not received any interest which they had committed to me rs.24000/-pm since this long time (6 months time) then i discussed with my family and friends regarding their forgery. My family and friends told me that i had been cheated by them and also i come to know that several senior citizens people have been cheated by them.

I requested them several times to return back my all one time policy/fd bond to me but all time they said that my [protected]@24000/-pm was in process at ho and all my bond were required for it. They also told me that it would take time (4-5 months) initially and i would get accumulated interest (4-5 months) in my bank account and all one time bond all together.

When i shouted them that time they have given me 4 nos of above my policy/fd bond by the first week of this month and i become faint by seeing of this said bond.

I found that all of above said one time exide life policy/fd bond (Which they said) are recurring policies like lic which i have to pay for that said term else all policies will be lapsed on 2nd year onwards.
I have not a single paise to pay premium on 2nd year, i had invested all my savings at exide life insurance as per their commitment that i would get [protected]@24000/- pm.

I have no knowledge regarding insurance as well as financial matter and they had taken that scope. I had trusted them.

They had taken my above amount rs.:2048000/- which i have earned from my retirement benefit and that i had kept in my bank as fd. They told me that exide life has started banking business and people could invest here as bank fixed deposit (One time) and interest (10-12%) would be credited in my bank account in monthly basis.

I come to know that one person (Bm) is a big culprit and big cheater who are cheating every senior citizens people by sitting at exide life golpark branch, kolkata office day to day. And exide life insurance are supporting his all fraudulent activities. He can do all this fraudulent activities by getting support from his bosses, they have a good understanding with each other regarding agents/employee's payout which they are taking day to day. He was also doing forgery activities (Pan, aadhar card duplications) by his laptop which he told that laptop had been stolen on 31st march'18. This is very very unfortunate that exide life insurance such a irda listed company are recruiting such fraud, cheater people like that person and have given such a senior label position like branch manager. Every common people like me should trust a branch manager of a listed co.

After taking 30 days of time they mailed that they would not cancel my above policies. Their people called me, i told him that your fraud employee cheated me by getting support from exide co. He had taken all bonds (In sealed envelope position) when that i received. And he returned all bonds first week of last month. I couldn't check their terms and conditions which they are telling now, he intentionally done it, he knew that i must cancel all bonds if i able to see their terms & conditions that time when i received that.

He didn't give me scope for cancellation at free look period.

I am a retired person (63 years old) & got above all money as retirement benefit and had kept in bank (Fd) & was getting interest from bank per month for which i was maintaining my family.

Now i am totally helpless and not have a single paise to buy medicines for me and my wife. We are heart patient and have high blood sugar and high blood pressure.

Kindly aware of exide life insurance...

Yours faithfully,

Sub: complaint against exide life insurance for their fraudulent activities

Request for cancellation exide life insurance policy no: 03747862, 03747894, 03780492 & 03780493

This has reference to my above complaint,
I am sending you mail by explaining in details:

They cheated me by taking my hard earned money which i got from my retirement benefit. They told me that to take one time policy from exide life insurance which would be as like as bank fd and i would get rs. 24000/- pm as interest. They told me that it could be encash anytime whenever i wish as like as bank fd.

They added that to inform them when i would received my one time policy/fd bond at my residence and that should be kept in their custody/exide branch without cutting that one time policy/fd bond's envelope to process my [protected]@24000/-pm.

And as per their advice i had handed over my 4 nos of above one time policy/fd bond (Sealed envelope) to them when i had received it without cutting all envelope.

When i had not received any interest which they had committed to me rs.24000/-pm since this long time (6 months time) then i discussed with my family and friends regarding their forgery. My family and friends told me that i had been cheated by them and also i come to know that several senior citizens people have been cheated by them.

I requested them several times to return back my all one time policy/fd bond to me but all time they said that my [protected]@24000/-pm was in process at ho and all my bond were required for it. They also told me that it would take time (4-5 months) initially and i would get accumulated interest (4-5 months) in my bank account and all one time bond all together.

When i shouted them that time they have given me 4 nos of above my policy/fd bond by the first week of this month and i become faint by seeing of this said bond.

I found that all of above said one time exide life policy/fd bond (Which they said) are recurring policies like lic which i have to pay for that said term else all policies will be lapsed on 2nd year onwards.
I have not a single paise to pay premium on 2nd year, i had invested all my savings at exide life insurance as per their commitment that i would get [protected]@24000/- pm.

I have no knowledge regarding insurance as well as financial matter and they had taken that scope. I had trusted them.

They had taken my above amount rs.:2048000/- which i have earned from my retirement benefit and that i had kept in my bank as fd. They told me that exide life has started banking business and people could invest here as bank fixed deposit (One time) and interest (10-12%) would be credited in my bank account in monthly basis.

I come to know that one person (Bm) is a big culprit and big cheater who are cheating every senior citizens people by sitting at exide life golpark branch, kolkata office day to day. And exide life insurance are supporting his all fraudulent activities. He can do all this fraudulent activities by getting support from his bosses, they have a good understanding with each other regarding agents/employee's payout which they are taking day to day. He was also doing forgery activities (Pan, aadhar card duplications) by his laptop which he told that laptop had been stolen on 31st march'18. This is very very unfortunate that exide life insurance such a irda listed company are recruiting such fraud, cheater people like that person and have given such a senior label position like branch manager. Every common people like me should trust a branch manager of a listed co.

After taking 30 days of time they mailed that they would not cancel my above policies. Their people called me, i told him that your fraud employee cheated me by getting support from exide co. He had taken all bonds (In sealed envelope position) when that i received. And he returned all bonds first week of last month. I couldn't check their terms and conditions which they are telling now, he intentionally done it, he knew that i must cancel all bonds if i able to see their terms & conditions that time when i received that.

He didn't give me scope for cancellation at free look period.

I am a retired person (63 years old) & got above all money as retirement benefit and had kept in bank (Fd) & was getting interest from bank per month for which i was maintaining my family.

Now i am totally helpless and not have a single paise to buy medicines for me and my wife. We are heart patient and have high blood sugar and high blood pressure.

Kindly aware of exide life insurance...

Yours faithfully,

Sub: complaint against exide life insurance for their fraudulent activities

This has reference to my above complaint,
I am sending you mail by explaining in details:

They cheated me by taking my hard earned money which i got from my retirement benefit. They told me that to take one time policy from exide life insurance which would be as like as bank fd and i would get rs. 24000/- pm as interest. They told me that it could be encash anytime whenever i wish as like as bank fd.

They added that to inform them when i would received my one time policy/fd bond at my residence and that should be kept in their custody/exide branch without cutting that one time policy/fd bond's envelope to process my [protected]@24000/-pm.

And as per their advice i had handed over my 4 nos of above one time policy/fd bond (Sealed envelope) to them when i had received it without cutting all envelope.

When i had not received any interest which they had committed to me rs.24000/-pm since this long time (6 months time) then i discussed with my family and friends regarding their forgery. My family and friends told me that i had been cheated by them and also i come to know that several senior citizens people have been cheated by them.

I requested them several times to return back my all one time policy/fd bond to me but all time they said that my [protected]@24000/-pm was in process at ho and all my bond were required for it. They also told me that it would take time (4-5 months) initially and i would get accumulated interest (4-5 months) in my bank account and all one time bond all together.

When i shouted them that time they have given me 4 nos of above my policy/fd bond by the first week of this month and i become faint by seeing of this said bond.

I found that all of above said one time exide life policy/fd bond (Which they said) are recurring policies like lic which i have to pay for that said term else all policies will be lapsed on 2nd year onwards.
I have not a single paise to pay premium on 2nd year, i had invested all my savings at exide life insurance as per their commitment that i would get [protected]@24000/- pm.

I have no knowledge regarding insurance as well as financial matter and they had taken that scope. I had trusted them.

They had taken my above amount rs.:2048000/- which i have earned from my retirement benefit and that i had kept in my bank as fd. They told me that exide life has started banking business and people could invest here as bank fixed deposit (One time) and interest (10-12%) would be credited in my bank account in monthly basis.

I come to know that one person (Bm) is a big culprit and big cheater who are cheating every senior citizens people by sitting at exide life golpark branch, kolkata office day to day. I also heard that he did big fraud of rs. 6 crore at his previous co (Pnb metlife). And exide life insurance are supporting his all fraudulent activities. He can do all this fraudulent activities by getting support from his bosses, they have a good understanding with each other regarding agents/employee's payout which they are taking day to day. He was also doing forgery activities (Pan, aadhar card duplications) by his laptop which he told that laptop had been stolen on 31st march'18. This is very very unfortunate that exide life insurance such a irda listed company are recruiting such fraud, cheater people like that person and have given such a senior label position like branch manager. Every common people like me should trust a branch manager of a listed co.

After taking 30 days of time they mailed that they would not cancel my above policies. Their people called me, i told him that your fraud employee cheated me by getting support from exide co. He had taken all bonds (In sealed envelope position) when that i received. And he returned all bonds first week of last month. I couldn't check their terms and conditions which they are telling now, he intentionally done it, he knew that i must cancel all bonds if i able to see their terms & conditions that time when i received that.

He didn't give me scope for cancellation at free look period.

I am a retired person (63 years old) & got above all money as retirement benefit and had kept in bank (Fd) & was getting interest from bank per month for which i was maintaining my family.

Now i am totally helpless and not have a single paise to buy medicines for me and my wife. We are heart patient and have high blood sugar and high blood pressure.

Kindly aware of exide life insurance...

I have paid the premium for
My policy 01246272 through online in the month of aug 2018. No confirmation /receipta received so far. They have not register my phone no mail i'd, even after i have sent kyc form for updation of my phone and email i'd. So many times i requested through customer care by phone and their portal. No response from the insurance company. Kindly do the needful.
Parvathakumari

I (NEHA CHOPRA) have taken a policy o[censored]LIP plan from Exide Life Insurance on 28th Aug 2016. Now due to some unforseeable personal critical health situation, I can't pursue further with Policy. Hence I requested branch team to initiate surrender process as on 20th Aug when Surrender value was INR 98K which will be given to us in just 15 days. Now Branch staff changed their words and talked very badly to me in office premises and given threat that Amount will be not INR 98K and also will be returned after 5 years only. hence request to please raise this as Lady harassment done by this Company Branch staff and when I require money for some critical purpose then they are just changing their words from what they have given earlier.

Dear sir,
An insurance policy of rs 49000 taken from excide life before 5 months ago.

I got call from excide life insurance name kunal bajaj & asking that are u looking for loan. I said yes then i asked what's the process then he said that you have to make two policy & against that we provide loan then he ask how much loan is required. I said 3 lac then he said you have to pay 5 lac for 10 yr and the policy which u will make became ours. Then i said ok and i sad that i will make payment which is 49k per yr and he informed the same procedure hdfc policy. And he also asked me not to inform them that i am taking loan against this so i didn't told anything to them and then i got call from customer care also and he asked me not to inform them also and customer care people told me that you will not get any loan against this then i asked them that person then he said they are saying like this only, if i tell them then they will ask for the commission finally then policy was made and after that he was just saying that it's under process and it will be done in 8 days then he said like that he was just passing the time. After that he said i have to open same policy to the another once in my relatives. So i have make policy of 49 k and the same is refundable after your loan amount is disabuse in your account. Later he will not cancel the policy. He has said made the same total 6 policy. But he has not cancel any policy.
Then he call me after two days and said take hdfc policy for further processing to disbussing the loan amount. After i take that policy but didn't any loan amount credit in my account and he didn't cancle any my policy.
Now he is no more picking the call and i have not received any loan also. I didn't want any policy which done by fraud i want cancle the policy and i want my money return and i will also going to complain for the same to policy and media if my case is not solved as i have all recording in my mobile.

Details of cheaters
1) kunal sawant-[protected]
2. Hemant marathe-[protected]
3. Neha kulkarni-[protected]
4. Pallavi-[protected]

Agent adviser-kunal sawant

Policy details - (Hdfc)
1. Policy no[protected]
Premium-30k
Cust id-k1178968

2. Policy no[protected]
Premium-30k

Exide life-
1. Policy no[protected]
Premium-19k

2. Policy no[protected]
Premium-28k

3. Policy no[protected]
Premium-19k

4. Policy no[protected]
Premium-28k

Thanks & regards,
Priyanka phirke

This company takes rs 2000 / at first for the training and promise to return it from salary. After training they force me for insurance upto rs 2, 00, 000 for a single month. One of the adm (Mrs soumita dasgupta from mangoe lane branch) rigorously pressurize and after a month she excuses that you will not get any salary for this month but next month your previous month salary will be added. This person is totally fake. I didn't get any money till now and this people now saying that there is no monthly fixed salary for this company. Please take serious action on this person.

I am an advisor in (Ing vysya life insurance co. Ltd.) yet exide life insurance co. Ltd. From 13 feb. 2010 to contineus...
Not recieved incentive mine renewal policies premium from feb. 2017
So issued my due incentive immediatly
& paid cont. Incentive
Advisor name : kharta ram
Agent license no :[protected]
Agent code : 60170807
Fathaer/husband name : mana ram
Issued on : 13-feb-2010
Dob:[protected]

I was offered a gift via phone and they asked me to receive it from a address.
When we reached they forced me and my wife to purchase their policy.
They asked for my atm and deducted the premium also at same time.
When i denied from giving my identity and address proof and asked them to refund the same the have been littering the matter since last 2 months.
Their branch head, called her name as ms riya from jalandhar is not even picking my phone nw.
Email have been sent to exide life but of no use.
Urs is worse than worst company i have even seen.
Kindly never attend to any function of exide life as they will make you loose your valuable money.
I am ready to provide her mobile no for your reference if required.
Kindly sort the matter at earliest.
I have no data about plan or policy number.

Dear sir / madam,

Greetings for the day!

Policy number[protected]

I had taken a life insurance policy from exide life insurance in the year 2017 with annual premium amount of rs.65, 000/-. With 12 years terms when the financial adviser and sales manager explained about policy he has given all the false details with wrong calculation. Agent informed me that my family will get huge amount around...

I am having fc code in exide life insurance.in december bm of hisar branch abhishek kukreja commited me for 2 dubai trips (On papers) & incentive on business of rs.6 lakh.

First company paid me less incentive and in march they denied to give my 2nd ticket of dubai trip. However, i understood their situation of misguidance and managed. But now, after 7 months of business they clearly denied for my 1st ticket also.
br...

I mr s s chauhan exide life insurence policy holder of your exide life insurance policy no.03804815. I trying to cancell this policy and would like to refund money as i invested in free look period but agent/policy providers are not responding which is considering me to not to use this types of policies in future.

Pl provide me assistance to avail it.

· exide life insurance policy numbers 03335234 & 03319366

1. Policy number 03319366 has been collected by exide life insurance agent & he provided me documents receive receipt. Which i have attached below. When i went to your branch for the 2nd time complaint that time i provide them xerox copy of same policy which i have.

2.in policy number 03335234 there is no illustration form in that policy.

3. On policy number 03335234 in application form life to be assured is mohammad saad but policy is issued on the name of wahid taibani.

4. If you say mr. Wahid taibani is the policy holder then his medical issue is not mentioned in the policy. Mr. Wahid taibani is having heart problem. So as per insurance guidelines he is not medically fit for insurance on regular premium.

5. On application form they stick wahid’s photo & filled the details of saad taibanis details.

6. All the signature on the application form are totally fraud. Even a blind man also will find the difference between actual signature which available on application form photo & fraud signatures which available on end of the application form. But still your underwriter did not find any difference while issuing the policy. That clearly shows how much he qualified for this job & how blindly he is issuing the policies. May be he is on the pay role of gvr broker that is the reason he blindly issued policy.

7. If the policy holder is wahid taibani then how can company did not check his children’s age which is mentioned 6 months in policy?

8.in signature of advisor gvr signed after satisfaction of customer. I want to know did he come to mumbai to make me understand this policy? Is he blind or what that he did not even think twice before filling up that application form? Does he deserve brokerage license?

1. Policy number 03319366 has been collected by exide life insurance agent & he provided me documents receive receipt. Which i have attached below. When i went to your branch for the 2nd time complaint that time i provide them xerox copy of same policy which i have.

2.in policy number 03335234 there is no illustration form in that policy.

3. On policy number 03335234 in application form life to be assured is mohammad saad but policy is issued on the name of wahid taibani.

4. If you say mr. Wahid taibani is the policy holder then his medical issue is not mentioned in the policy. Mr. Wahid taibani is having heart problem. So as per insurance guidelines he is not medically fit for insurance on regular premium.

5. On application form they stick wahid’s photo & filled the details of saad taibanis details.

6. All the signature on the application form are totally fraud. Even a blind man also will find the difference between actual signature which available on application form photo & fraud signatures which available on end of the application form. But still your underwriter did not find any difference while issuing the policy. That clearly shows how much he qualified for this job & how blindly he is issuing the policies. May be he is on the pay role of gvr broker that is the reason he blindly issued policy.

7. If the policy holder is wahid taibani then how can company did not check his children’s age which is mentioned 6 months in policy?

8.in signature of advisor gvr signed after satisfaction of customer. I want to know did he come to mumbai to make me understand this policy? Is he blind or what that he did not even think twice before filling up that application form? Does he deserve brokerage license?