Max Life Insurance Complaints & Reviews

I applied for a term policy and I clearly stated to customer care that I will be travelling to Malaysia soon, and same specified while filling up the application as well. I did all medical formalities before I travel. After that I continuously follow up on status of my application since August 12th and after 26 days, today (09th Sept) they replied saying that due to "Travel Risk", they are unable to process the application.

I trusted this insurance company and did not look for any other, Now I am already in Malaysia, so I could not take any policy from other insurance company.

Committed false promises saying that after medical formalities, I can travel and they process the application in 2-3 days and finally they rejected after 26 days of continuous follow up with simple cause which I already mentioned in the application.

I am a simple housewife, mislead by max life agent (mr. satyavrat was working in axis bank as relationship manager in east patel nagar branch, delhi) while selling his policy. i explained him very clearly that i want short term fixed policy of not more than 5 years maturity period, but he cheated and sold me insurance policy of maturity period 20 years. without knowing this i paid first two premiums amount, later when i came to know about policy terms i stopped paying the amount and asked for stopping the policy. but no one is giving attention to this. only i am getting messages about deposit the premium, which i have already told that i do not want to continue this. why are you harassing your customer who once trusted you and deposited her savings with you for small gain. big company like you should not cheat your small investors.
On one hand we are getting emails from max life "thanks for making us claims service leader at the indian insurance awards 2016" on other hand you are harassing your customers. i am trying to get my money back from last 2 years but all in vain. i shall really be thankful to you if you return my hard earned money back to me that i deposited under misguided policy.
My policy number[protected]
Customer id [protected]
My name (policy holder) bharti garg
Agent who misguided mr. satyavrat [protected]
Recent reference number i got against complaint 17117567

Not a single call i receive back from customer care service after they give reference number. is this is what you are providing to your customers. might be my case overlooked by your staff. this time please look into my matter and return my deposited amount back to me. i shall really be thankful to you.
Bharti garg.

Axis bank का कामॆचारी आया और कहनेलगा कि साल का २०००० रु. जमा करने पर चार साल बाद आपको दुगुना रकम मिलेगा
ये कहकरपैसा डलवा दिया ।
बाद मे कंपनी का फोन आया स्टालमेंट के लिएतब पता चला कि १०साल के पहले नही निकाल सकते ।
और मुझे पैसा निकालना कैसे निकालु
कुछ उपाय बताये Pls...

My insurance policy premium was due on july2016, got calls from [protected], [protected](mansi sharma) [protected](shalini) on behalf of Malice insurance, & they told me to deposit Rs.22133 & 35400 for my due premium & revoking DCC code. Now Maxlife & its partner Axis Bank both says it was a fraud call & I hv been cheated
I have call recordings, cheque details, courier no(by which I sent the cheque, aadhar copy & photograph), what should I do next

Sir we surrender our policy no.[protected] on[protected]. But till to date we did not received money. When policy is on the name of sakkubai. The max people asking surname . The policy proof as husband name and her name was written without surname. Same was given to surrender but no use. Please solve the problem within an earliest period.
Thanking you.

Gentle remainder,

Kindly get me back my max life insurance maturity claim for policy[protected]. Just now somebody contacted me from mobile: [protected] said that he is from Maxlife insurance office.
They are not transferring the amount into my account ( account details they have). Instead of paying my amount they used to interrogating and disturbing me a lot.

You may please gone through the total correspondence i had with them and help me to get the maturity claim.
Thanks & Best Regards
D.G.K.Raju
Vice President
Kakatiyacements
Mob : +91 [protected]
Email Id: [protected]@gmail.com ; [protected]@gmail.com

a)
Max Life Insurance Customer Care's response, Sep 02, 2016
Dear Gopala krishnam raju, Our customer representative has tried to speak with you earlier but calls to your registered number were unanswered. We request you to please share a mutually convenient time at [protected]@maxlifeinsurance.com and we will connect with you at the earliest. Please mention Ticket No. 17254362 in all future communication on the subject.

Regards,
Max Life Insurance

Ticket No. 17254362
Dear Sir,

Already i requested through SMS for your contact number. Please let me know from which number you are trying contact me.Unknown calls iam not answering, i have a problem with the nuisance calls.My number is [protected] only.
Hence request you to inform me your number for identification. Mrs. Swathi from your max life insurance, Hyderabad knows everything about my policy status. and get me my matured claim amount for the said policy[protected] without further delay.

Thanks & Best Regards
D.G.K.Raju
Vice President
Kakatiyacements
Mob : +91 [protected]

b)
Max Life Insurance Customer Care's response, Aug 29, 2016
Dear Gopala krishnam raju, We assure you that your comments have been heard. Our customer representative has tried to speak with you but calls to your registered number went unanswered. We request you to please share a mutually convenient time at [protected]@maxlifeinsurance.com for our customer representative to speak with you. Please mention Ticket No. 17254362 in all future communication on the subject.

Regards,
Max Life Insurance

Updated by dgkraju, Aug 31, 2016
Pl let me know when you have contacted and what is your contact number. If you proved your contact person details with mobile number & email ID, I will contact him.
But Mrs. Swathi-assistant manager -Max life insurance-hyd said that my amount will be transferred through NEFT within a week days period.
Regards,
D.Gopala krishnam raju
V.P Bunglow,
Kakatiya Cement Sugar & Industries Ltd.,
Srinivasanagar, jaggayyapet, Krishna Dist., A.P
Mob:[protected]

c)
On sat, jul 23, 2016 at 3:08 pm, gopala krishnam rajul d wrote:
Dear sir/madam

Here by requesting your good offices to settle may claim for the policy no:[protected].
All the relevant document have been sent through profissional courier (Consignment note number: jpt 26909 dated 04.07.2016) to your hyderabad branch - mrs. Swathi-assistant manager, phone no:[protected] & 66416532, narspur house, main road, himayat nagar, hyderabad, telangana state, pin:500029

Please find the attachment for the same.

Thanks & best regards
D. Gopala krishnam raju
Vice president
Kakatiya cement sugar & industries ltd.,
V. P bunglow; srinivasanagar
Jaggayyapet, krishna district, a. P
Pin:521175

Mob : +91 [protected]

d)
From: gopala krishnam rajul d
To: claims. [protected]@maxlifeinsurance.com, service. [protected]@maxlifeinsurance.com,
Cc: gopalakrishnamraju dandu
Date:[protected]:33 pm
Subject: re: policy no:[protected]

Dear sir/ madam

Gentle reminder and awaiting for the status.

Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

e)
On mon, jul 25, 2016 at 5:23 pm, wrote:
— this memo is classified public —

Dear concern,

Thanks for writing to us.

This is with reference to your query regarding the policy number[protected]

Kindly confirm, when and where you've submitted the claim docs...

Regards
Claims support team
Max life insurance co ltd.
2nd floor, operations centre, 90-a, udyog vihar,
Sector-18, gurgaon - 122 015, haryana, india
Fixed line - +[protected] extn # 9699
Fax line - +[protected]

Write to us at 'claims. [protected]@maxlifeinsurance.com'

"max life leads the private life insurance space by settling 96.03% of claims in fy 14-15."

From: gopala krishnam rajul d
To: claims. [protected]@maxlifeinsurance.com,
Cc: gopalakrishnamraju dandu, service. [protected]@maxlifeinsurance.com
Date: 07/26/16 08:10 am

Subject: re: policy no:[protected]

Dear sir,

I am surprised after read mail. I think you people don't find time to read customer mail completely and without reading sending reply after remainder.
Pl read my mail and will have all the details what you required.
However i am giving once again the details requested by you and do the needful action at the earliest.
My sincere request is please improve your services otherwise one day will come to close your buisiness.
All the relevant document have been sent through profissional courier (Consignment note number: jpt 26909 dated 04.07.2016) to your hyderabad branch - mrs. Swathi-assistant manager, phone no:[protected] & 66416532, narspur house, main road, himayat nagar, hyderabad, telangana state, pin:500029

Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

f)
On tue, jul 26, 2016 at 9:35 am, wrote:
— this memo is classified public —

Dear mr. Krishnam

Thank you for contacting us at max life insurance.

This is with reference to your request regarding the policy number[protected]. Our customer service representative will get back to you in 3 working days with a suitable resolution. Processing your request on priority is very important to us.

Please quote reference number:17135584 for any further communication on this request, in future.

Thank you for choosing us as your life insurance partner. We look forward to serving you to your satisfaction.

Yours sincerely
Max life insurance customer services team

Note:
1) we shall communicate the resolution to you through electronic mail/call/letter.
2) our endeavor is to resolve your request at the earliest.
3) you can also call us toll free at[protected]

Inactive hide details for gopala krishnam rajul d — 07/26/2016 08:10:41 am — dear sir, i am surprised after read mail. I thinkgopala krishnam rajul d — 07/26/2016 08:10:41 am — dear sir, i am surprised after read mail. I think you people don't find time to read

g)
From: gopalakrishnamraju dandu
Date: tue, aug 23, 2016 at 3:50 pm
Subject: re: policy no:[protected]
To: service. [protected]@maxlifeinsurance.com, claims. [protected]@maxlifeinsurance.com
Cc: gopala krishnam rajul d

Dear sir/ madam,

Reference number:17135584

Refered to the said number, i request you to update my policy maturity claim.

I have received sms to mobile no:[protected] from you your customer services as bleow on

1. Check sent through professional courrier vide awb#ggn99013027 on 05.08.2016
2. Check sent through professional courrier vide awb#ggn90866164 on 08.08.2016

Till date i havn't received checks from the professional and enquired on proffessional courrier at jagggayyapet branch said the checks delivered at hyderabad.

I surprised how it can be delivered at hyderabad and to whom

I have submitted all documents with address proof and bank a/c no and passbook copy.

Kindly get me back the status and get me my checks at the earliest.

Regards,
Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

h)

Policy Number: [protected]

Advent to the subject cited above, i have been continuously follow up with the max life insurance for the maturity claim settlement. I have submitted all the relavant documents including the change of address with proof and bank a/c no. I understand that checks has delivered at hyderabad to the unknown person.
Kindly see that resolve the issue.

Regards,
D. Gopala krishnam raju
Vice president
Kakatiya cement sugar & industries ltd.,
V. P bunglow, srinivasanagar, jaggayyapet-521175
Krishna dist., a. P
Mobiel:[protected]
Email:[protected]@gmail.com & [protected]@gmil.com

Gopalakrishnamraju dandu
Aug 24 (2 days ago)

i)

To service. Helpde., claims. Support, me
Dear sir/madam
Reference number:17135584

Waiting for my check. Pl get me the same at the earliest possible.

Regards,
Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

Hiii sir my name is juned Gazi at ahmdabad gujrat . i am face in interview in this company. i have Rejection because i am at muslim. please i have case this company. this not a recruit telent. this company double cross to me. i have face this 3 interview Round. and my interview is good . but only one Region rejection iam muslim. please take action.

Regards

juned gazi
[protected]

I have taken policy No.[protected] on 23 Dec. 2013 and paid Rs. 72000 @ Rs. 24000 per year. Now I want to surrender the same. On inquiry I was Intimated that I will get 30% amount of the 2nd and 3rd installment only. please intimate how much I will get, as while taking policy i was intimated that I will get 90% in case i surrender after 3 yrs. Pl. guide me when shall I surrender the same. Thanks. Deeganto

Hi Team,
i have an insurance policy with Maxlife insurance company and
I am having issue with my policy#[protected], i have been making payments every month before due date since 7 years. i am making the payments online and i have all the evidences for the payments paid towards my premium policy. still i am get stinker messages and mails stating there is an outstanding on my policy. i have called customer [protected]@[protected] many times, they verify the payments ans say they will arrange a call back which never happened. i have complained multiple times through mail for which i have the ticket numbers.
Below listed are ticket number for reference.

Please help me in this issue.

ticket#17070582, 17003581, 16939601, 16928623, 16896004, 16853707, 16809034

thanks,
Vinod

I have got a message that my policy number is invalid but i have paid my premium today .after paying the premium i have got this message.seeing this i have sent a message to a number available in the net .but the reply was that this activity was not found.what should i do now to know if my policy is paid o not?...

माननीय महोदय,
मै शिल्पा नरेश तामेचिकर आपसे निवेदन करती हूँ की मेरी इस शियाकत को ध्यान पूर्वक पढ़े, मेरे स्वर्गवासी पिता श्री राजू रामचंद्र टिड़ंगे पत्ता मकान नंबर २६४७ सुभाष वाड़ी वंद्रापाड़ा फातिमा स्कूल के पीछे अम्बरनाथ मे अपने पुरे परिवार के साथ रहते थे.

मेरे पिता की पालिसी मैक्स लाइफ इन्शुरन्स कंपनी मे निकाला गया था पालिसी नंबर २७०४९१३३५ है और यह पालिसी ०७ मार्च २०१५ को चालू किया गया था. और यह पालिसी पंजाब महाराष्ट्र बैंक के स्कीम के अन्तर्गत था. मेरे पिता का खाता उसी बैंक मे था और वहा के मेनेजर श्री कुलकर्णी साहब के बताने के मुताबिक यह पालिसी निकाला गया था पालिसी निकालते समय जो आपके कंपनी से साहब आये थे मैक्स लाइफ की तरफ से उसे मेरे पिता के बारे मे पूरी जानकारी देते हुए यह पालिसी निकाली थी.


मैक्स लाइफ इन्शुरन्स कंपनी के डॉक्टर ने घर आकर पूरा जाँच किया था. और जो डॉक्टर और लैब का आदमी आया था घर पर उसे भी मेरे पिता के बारे मे पूरी जानकारी दी गयी थी. जैसे की वह शराब की सेवन करते है और उनको पहले भी हॉस्पिटल मे भर्ती करवाया गया था उसकी जानकारी भी डॉक्टर और मैक्स के साहब श्री माने साहब को दी गयी थी. और जब डॉक्टर ने उनका इ. सी. जी निकाला था तब उनसे पूछा भी था की अभी को प्रॉब्लम तोह नहीं नज़र आ रहा है तब उन्होंने मुझे बोला भी था की कोई प्रॉब्लम नहीं है. और इसकी जानकारी माने साहब को भी दी गयी थी और यह पालिसी ६० लाख के लिए निकाला गया था पर पूरी जांच के बाद इस राशि को घटा कर ३० लाख कर दिया गया और पूरा पेपर वर्क होने के बाद ही मेरे पिता के खाते से पालिसी का प्रीमियम कटा है.

साहब मै बताना चाहती हूँ की मेरे साथ मैक्स लाइफ इन्सुरांस कंपनी ने धोखा किया है, साहब मै सिर्फ कक्षा ४ थी तक ही पढ़ी हूँ और मेरे घर मे कोई इतना होशियार नहीं था की जो फॉर्म एजेंट भर रहा था उसमे क्या लिखा था पढ़ा जा सके क्यों की फॉर्म पूरा इंग्लिश मे था और इंग्लिश की जानकारी मेरे यहाँ किसी को नहीं है. मैंने आपके डॉक्टर और आपके कंपनी के एजेंट्स के ऊपर भरोसा रख कर इस पालिसी को निकाला था और उनसे बोला भी था की मुझ इग्लिश की जानकारी नहीं है तोह अच्छे से भरे कोई गलती न करे और इसका प्रीमियम भी भरा था पर जब मेरे पिता का अचानक से हार्ट अटैक से देहांत हुआ और जब मैंने उनके क्लेम के पेपर्स को सबमिट किया तोह मुझे पता चला की एजेंट ने फॉर्म भरते समय एक गलती कर दी है जिसकी वजह से मेरे पिता का क्लेम रिजेक्ट हो गया उसके बाद मैंने काफी बार आपके ऑफिस मे लेटर लिखा पर इसपर कोई सुनवाई नहीं की जा रही थी. तब जा कर मैंने अपने एक मित्र के ज़रिये इस इ मेल पर आपको पूरी बाते बता रही हूँ और उम्मीद करती हूँ की मेरे इस लेटर का प्रार्थमिकता दी जाएगी और मेरे क्लेम को जल्द से जल्द पास किया जायेगा.

आपकी आभारी
शिल्प नरेश तामेचिकर

Advent to the subject cited above, i have been continuously follow up with the max life insurance for the maturity claim settlement. I have submitted all the relavant documents including the change of address with proof and bank a/c no. I understand that checks has delivered at hyderabad to the unknown person.
Kindly see that resolve the issue.

Regards,
D. Gopala krishnam raju
Vice president
Kakatiya cement sugar & industries ltd.,
V. P bunglow, srinivasanagar, jaggayyapet-521175
Krishna dist., a. P
Mobiel:[protected]
Email:[protected]@gmail.com & [protected]@gmil.com


Gopalakrishnamraju dandu
Aug 24 (2 days ago)

To service. Helpde., claims. Support, me
Dear sir/madam
Reference number:17135584

Waiting for my check. Pl get me the same at the earliest possible.


Regards,
Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]


— forwarded message —
From: gopalakrishnamraju dandu
Date: tue, aug 23, 2016 at 3:50 pm
Subject: re: policy no:[protected]
To: service. [protected]@maxlifeinsurance.com, claims. [protected]@maxlifeinsurance.com
Cc: gopala krishnam rajul d


Dear sir/ madam,

Reference number:17135584

Refered to the said number, i request you to update my policy maturity claim.

I have received sms to mobile no:[protected] from you your customer services as bleow on

1. Check sent through professional courrier vide awb#ggn99013027 on 05.08.2016
2. Check sent through professional courrier vide awb#ggn90866164 on 08.08.2016

Till date i havn't received checks from the professional and enquired on proffessional courrier at jagggayyapet branch said the checks delivered at hyderabad.

I surprised how it can be delivered at hyderabad and to whom

I have submitted all documents with address proof and bank a/c no and passbook copy.

Kindly get me back the status and get me my checks at the earliest.

Regards,
Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

On tue, jul 26, 2016 at 9:35 am, wrote:
— this memo is classified public —


Dear mr. Krishnam

Thank you for contacting us at max life insurance.

This is with reference to your request regarding the policy number[protected]. Our customer service representative will get back to you in 3 working days with a suitable resolution. Processing your request on priority is very important to us.

Please quote reference number:17135584 for any further communication on this request, in future.

Thank you for choosing us as your life insurance partner. We look forward to serving you to your satisfaction.

Yours sincerely
Max life insurance customer services team

Note:
1) we shall communicate the resolution to you through electronic mail/call/letter.
2) our endeavor is to resolve your request at the earliest.
3) you can also call us toll free at[protected]

Inactive hide details for gopala krishnam rajul d — 07/26/2016 08:10:41 am — dear sir, i am surprised after read mail. I thinkgopala krishnam rajul d — 07/26/2016 08:10:41 am — dear sir, i am surprised after read mail. I think you people don't find time to read

From: gopala krishnam rajul d
To: claims. [protected]@maxlifeinsurance.com,
Cc: gopalakrishnamraju dandu, service. [protected]@maxlifeinsurance.com
Date: 07/26/16 08:10 am


Subject: re: policy no:[protected]


Dear sir,

I am surprised after read mail. I think you people don't find time to read customer mail completely and without reading sending reply afters remainder.
Pl read my mail and will have all the details what you required.
However i am giving once again the details requested by you and do the needful action at the earliest.
My sincere request is please improve your services otherwise one day will come to close your buisiness.
All the relevant document have been sent through profissional courier (Consignment note number: jpt 26909 dated 04.07.2016) to your hyderabad branch - mrs. Swathi-assistant manager, phone no:[protected] & 66416532, narspur house, main road, himayat nagar, hyderabad, telangana state, pin:500029

Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

On mon, jul 25, 2016 at 5:23 pm, wrote:
— this memo is classified public —


Dear concern,

Thanks for writing to us.

This is with reference to your query regarding the policy number[protected]

Kindly confirm, when and where you've submitted the claim docs...


Regards
Claims support team
Max life insurance co ltd.
2nd floor, operations centre, 90-a, udyog vihar,
Sector-18, gurgaon - 122 015, haryana, india
Fixed line - +[protected] extn # 9699
Fax line - +[protected]

Write to us at 'claims. [protected]@maxlifeinsurance.com'

"max life leads the private life insurance space by settling 96.03% of claims in fy 14-15."


Inactive hide details for gopala krishnam rajul d —[protected]:33:51 pm — dear sir/ madam gentle reminder and awaiting forgopala krishnam rajul d —[protected]:33:51 pm — dear sir/ madam gentle reminder and awaiting for the status.

From: gopala krishnam rajul d
To: claims. [protected]@maxlifeinsurance.com, service. [protected]@maxlifeinsurance.com,
Cc: gopalakrishnamraju dandu
Date:[protected]:33 pm
Subject: re: policy no:[protected]


Dear sir/ madam

Gentle reminder and awaiting for the status.

Thanks & best regards
D. G. K. Raju
Vice president
Kakatiyacements
Mob : +91 [protected]

On sat, jul 23, 2016 at 3:08 pm, gopala krishnam rajul d wrote:
Dear sir/madam

Here by requesting your good offices to settle may claim for the policy no:[protected].
All the relevant document have been sent through profissional courier (Consignment note number: jpt 26909 dated 04.07.2016) to your hyderabad branch - mrs. Swathi-assistant manager, phone no:[protected] & 66416532, narspur house, main road, himayat nagar, hyderabad, telangana state, pin:500029

Please find the attachment for the same.


Thanks & best regards
D. Gopala krishnam raju
Vice president
Kakatiya cement sugar & industries ltd.,
V. P bunglow; srinivasanagar
Jaggayyapet, krishna district, a. P
Pin:521175

Mob : +91 [protected]

To
All,
Max life insurance company has done a big fraud of Rs. 4 lac with the support of their partner Axis bank ltd in my policy no's:[protected],[protected]. The agent had issued me fake policy benefits certificates on letterhead of Max life insurance co Ltd and also forged our signatures in the policy records. Now the company and axis bank both are not ready to understand my pain and mental agony I m going through. How I will educate my children without this fund which I saved for education of my children?? I m in mental agony and not even able to sleep as i m on verge of losing my money.
Warm Regards
Sukhbir

Dear sir/ madam
I invested my hard earned money in the policies of max life insurance company ltd through the authorised agent of max life insurance. The agent has done fraud and cheating with me and my signatures are forged in all the policies. I have already justified this forgery and the company has already admitted in few policies. Now they are refusing any signatures forgery in rest of my policies. The agent has done totally different signatures in all of my policies but now the company is totally supporting the agent. Even I have asked the company to get my signatures forgery investigation done in a forensic lab st my cost but they are reluctant to do so because my signatures are totally mis-matching with the signatures on the proposal forms. Please help in this matter.
Thanks
Tarun
Policy no's:[protected],[protected],[protected],[protected],[protected],[protected]

My Policy IS 'Max Amsure Secure Returns Builder ULIP - Level -
Simplified Base Risk - New',

Policy No is[protected],

Policy issue date : 09-Apr-2009 sum assured Rs.1, 50, 000/-

I want to know my policy status & fund value at present.

please inform by email.
My mail ID: [protected]@gmail.com

with regards

Thanking you

Prosenjit Das

I Manohar Sadashiv Deodhar had my policy matured on 19th April 2016. In spite of repeated visits to Dombivli office, there is no action been taken and I am informed that the papers have been sent. I have not yet received any papers till date and this is getting on my nerves now . The max people are absolutely useless and make false promises .

I would like to take this complaint further .

Thanks and regards,

Manohar Deodhar

This is ganesh working in leading national mediaMy policy number is[protected]..I have paid all my 6 years premium of 60, 000 but when i went to close my insurenace plan, they are saying i can only get 24000...This is truely atrocious..I am not saying max life to pay any bonus, please return the premium that i have paid without any interest...Please ensure this complaint is resolved failing which your brand name will get affected in media..

regds
Ganesh

I have not my incentive. I have gone in office also. But no one is giving proper answer, they are telling come after 2 or 3 days. After that also no one is giving response. Again the same thing.

1st floor, d. J. Residency, lbs marg, next to woodland hotel, wagle estate, thane west, mumbai, maharashtra 400604

Dear all, i'm navaneetha, with account[protected] in maxlife gainplus, am paying for this policy since 3years, i know i shud pay 2more premiums to complete 3years, i paid 40, 000 per year, now i have 3months old son, to take care of him, i resigned my job, i had kept an email to customer care but no proper reply, instead am getting calls to pay my premium

Dear friend i bought a life insurance from max lifE in 2009 and after paying continuesly u year of premium i think to surrender the yhe policy and max life told me that you will only 30 % of your paid ammount. After paying 72500. They are giving me surrender value 31872 rs. Please help me my policy no is[protected]
Please suggest me what should i do for getting my full ammount.

Vikram singh rawat
[protected]