Max Life Insurance — Losing money due to arrogant agent Aditya Raghav

Address:Plot No. 15, 6th Community Centre Nipun Tower, Karkardooma, Delhi, 110092

In December 2021, a max life agent named Aditya Raghav came to my family house, he said your max life policies are going into loss. He introduced himself as Relationship Manager but actually he is an agent of the mentioned company. He also said you will pay premium every year you will get nothing. My brother has taken policy from the company in to secure future of our family. Aditya Raghav misguided my brother and showed him the market graph of the respective policy (which may be wrong as he used it as a weapon to cheat him). My brother trusted him as he has no option because everyone wants to secure future of their families. He replaced some of his policies and offered him guaranteed plans with lock in period of 2-3 years minimum. Also, He has offered new policies in the name of existing policies. He does not inform us about the new policies and also he has not guided us properly about policy replacement.
He then collected money from my brother and has made false commitments such as :-

1) I shall show in the system that your lifetime policies got paid up, you don't need to pay premium for that.

2) When the time comes for premium payment, I will show in the system that your premium got paid up, you don't need to pay premium as you have lost enough money.
3) He said you will get all your money back when you surrender your policies.

He has not fulfil accomplished any of our promise. He is not a man of his words. When we denied to purchase policy from this guy. He used dirty tactics to loot our money for his own benefits. Before collecting money, he used to call us, message us, inform us about policies, visit our house and ask about us. After collecting money his attitude has changed, when we ask him about our policies or anything he is getting rude towards us.
He is considering him as a customer and manager both. He also does not guide us correctly about policies lock in period. For him lock in period is you can surrender your policy anytime. He then stopped calling us, stopped messaging us, stopped visiting our house by giving excuses. When I ask him to update personal details and NEFT details, he gave excuses everyday and lied to me that my personal details request had been processed but nothing happened. When we call him or message him he ignore our calls and messages and talk to other customers he is targeting he collect money from them and leave them in the middle of all these stuffs. When we call or email customer support we does not get satisfied response from them not from call and not from call email. Instead they are supporting and saving this fraud guy. He does not answer our calls and does not reply us on whatsapp as we are asking him about our policies and reminded him about his promises.

When he picked up our call he made personal reasons like his cousin is expired, his cousin father is expired after 1 week of cousin death, he is blessed with a baby boy. All these reasons are false and baseless he lied to us to disconnect from us so he did not have have to fulfil his commitments as he has done the fraud to earn commission from our policies, earn promotion and increment. Instead he is searching for other people to run his fraud racket.

We are paying premium of about 1.5-2 Lakh for 4 policies since 2 years he has offered and rest premium also, he does not care about his customers.
Because of him we have lost around 12-16 lakhs. A few people near my house not interested in policies bought policies from him as he is using dirty tactics trapping people due to which they have no option but to take policies from him.
He is active until the one or his family members ready to buy policies from him then vanishes.

I came to know from people his boss namely Rajat and cashier Sumit (names may be similar) are helping and guiding him to prepare list of people suffered loss in their policies, visit their house offer more policies and collect money from them by assuring you would not regret and I shall not gave you any chance to complaint. These guys are playing with the emotions of your customers including us for earning commission from our policies and operate their fraud racket. Now, we and people around us wants to get rid off this insurance forever because of this fraud agent Aditya Raghav.

After collecting money how this agent treat the customers (including us) :-
1) Stop calling, messaging them.
2) Stop replying on whatsapp and pm.
3) Speak very rudely to them.
4) Does not care about commitments he has made to them to collect money.
5) Lie to them, mostly making use of personal reasons likely death of cousin family to avoid servicing them in fear of fulfilling commitments he has made to them.
6) He sometimes provokes and insults them by calling them illiterate.
He does not have manners to talk
7) He ask them to wait and they will get all their money back even more they have invested. Mostly including us main requirement is policy surrender. He wanted them to wait for his own benefits.
8) He is not helpful.
9) He does not guide the customers properly. He is interested in misguiding them.
10) He is completely a hollow person, he is disturbing the bank balance of customers and does not care about them. He does not understand their feelings.

11) Stopped visiting houses of customers and gave non sense excuses.
12) He also, lied to customers about his company branch address. He is in karkardooma, delhi branch, he tells gurgaon. He lives near EDM Big Bazaar. It is understood by his house location.

Problems faced by us and other customers :-
1) Everyone has the right to ask what is happening in their policies when we ask agent Aditya Raghav about the same he does not guide us even does not answer us he want us to shoot in the dark until he gains maximum profit.

2) No support from Customer Support team. Many times I have complained about this guy they listened to you and does feel for you and start defending the guy. Especially does not get any help in managing policies. Many times I have provided our policies number to them, person from their team called and replied continue the policy and pay the premium. nothing happened. The guy is defended repeatedly despite many complaints.

3) We and others have lost around 12-16 lakhs and much more in paying premiums. This agent is not helpful instead vanished.

4) Most customers are going through mental stress because of the fraud done by this guy to them. Most of the them have become bankrupt because of him. No much savings in our banks because of him. Most customers have taken loan from bank to pay the premium due to this fraud agent.

5) Everyone has some plans of investment in some other mediums in order to save money for future. This man is affecting our plans and bank balance.

6) He asked us to wait. Why we should wait if he is not responding to us and got disconnected intentionally as he does not have to serve any customer. The one shall wait if he is present if not we can't wait for becoming bankrupt. He is simply earning profit from our policies and doing nothing.

It is requested to take track, monitor activities of agent Aditya Raghav and discuss the customers he is serving and what he has doing with them. As he is affecting the bank balance of customers. Each customer he is serving paying minimum of 1.5 Lakh premium per policy every year.

This guy should be punished and kicked out of company specially, as each customer wants to get rid off from the insurance of this company due to him. Also, they wanted not to purchase insurance from this company due to this guy. This guy Aditya Raghav is completely a fraud and he is capable of nothing.

Contact Details of Aditya Raghav :-
Contact No - [protected]
Email Id - aditya.[protected]@maxlifeinsurance.com
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