[Resolved]  ICICI Prudential Life Insurance — foreclosure of policy

I have two policies namely icici pru whole life with policy no 16189310 and guaranteed savings insurance plan with policy no 16111563. These both policies were subscribed by me on 15 nov 2011 with a yearly premium amount of rs 49, 960 each. I am a army officer and due to exigencies of service i was not able to pay any premium after first year. I contacted icici prudential representative named mr ashish malhotra on his mobile no [protected] and was told by him that i can only surrender my policies after completion of three years from the date of issuance. However after three years mr ashish malhotra was not available on the phone. When i contacted icici prudential office at mohali i was told that the policy had foreclosed and now i cannot get any money back.
I want to submit that i am a army officer and the money i invested in these policies was earned by facing bullets of the enemy and militants in kashmir. I am deeply pained today that a reputed company like icici prudential has taken advantage of my lack of knowledge of financial matters. I today need this money urgently for my son's education but the company has repeatedly told me that they cannot return my money. Please help.