National Insurance Company — Release of incentives as per agent scheme - april 2016

Address:

Panchkula, Haryana, 134109

Respected Sir,
This is to bring to your kind notice that I am a new agent started working with National Insurance Company Ltd. from April 2016. I belong to a business family who has wide scope of business through our relations and can procure a premium of minimum 50 lacs in a year. Initially I started to place my business in your DO III, Chd. Being a new agent I have been disturbed by Mr Anil Dua, your Agency Manager posted in DO III who tried to disturb and harass me by delaying the release of my incentives as per scheme generated by the system in full as he was expecting something to share from our incentives which some other agents may be obliging him with. When I asked the reasons for this unnecessary harassment and delay in releasing my payment to which he replied me saying "Ap hume khush rakho toh hum apko khush rakhenge". Even then I remained silent and tried to ignore this but the attitude of this person started becoming totally biased day by day. I brought this in the notice of the Divisional Manager for the delay and deductions from my incentives but no action seems to be seen. After that Mr. Dua tried to disturb me even more and threatened and challenged me that he wouldn't allow me to work in DO III as an agent.
After facing such inconvenience by concerned officer, I shifted my agency in your Branch office, Sector 17Panchkula. With the full cooperation and coordination by the Branch Manager Shri. Harpreet Singh, I submitted my business in Sep 2016 (fire premium of Rs 8 lacs) from our family relative industrialist in his branch which was brought with the best efforts and duly mandate from the insured in writing that the business is placed by our agent Aarti Pahwa. The policy and the commission was released on time to me. On this business, I was also entitled for the incentives as per the Agent Scheme (for the period 1st April 2016 to 31 st Dec 2016) issued by your good self. The incentive sheet generated by the system and duly checked and recommended by the Branch Manager was sent to DO III for approval where due to some personal grudge by Mr. Dua, when he found my name is also in the list of incentive sheet, he hold my incentives only from that list without any reason with remarks on the sheet as "under process". When I asked the branch manager of why were my incentives not released where he confirmed that it was forwarded to the Divisional Office duly recommended as per scheme but failed to understand why it has been held by the DO for so long.
In spite of my various requests through mail and personally to the Branch Manager and Divisional Manager and the other officials dealing with the concerned department neither any response received under which clause or condition of the circular issued for the period April 16 to Dec 16, nor my incentives released till date for the period of Sep-Oct-Nov 2016.
I have been compelled to place my business through some other agent's code in the same branch then the incentives are released as per normal procedure without any deductions or delay. Sometimes I have to place my business through some brokers in some other companies as your officer Mr. Dua has challenged that he will not allow me to work with any office of National and will not release my incentives as per scheme.
It is also confirmed from Regional Office on the following points -
1. Whether an insured has the RIGHT to choose or select an agent/ broker to renew our policies?
2. Whether an insured has the right to shift his insurance renewal to any agent/broker ?
3. Whether an insured has the right to shift his Insurance renewal from one branch to another branch at his own choice?
4. Whether that agent will be eligible to get the agency benefits of commission/ incentives to whom the business is passed by an insured?

in response of the above, the reply from CHRO was "YES".

When it is not prohibited anywhere that a new agent cannot procure renewal business from the market and an insured has the right to select/choose the agent at his own choice then why my benefits of incentives are being delayed.

I fail to understand how can he disobey to the instructions as per Agent Scheme issued by you. All the other agents working in DO III and the branches attached with DO III are getting their incentives without any queries but I can notice some sort of personal grudge against me that too for no reason.

You are requested to please look into the matter to release my incentives without any further delay and also help me to place my business in my agency as an agent in my code of your company without any hindrance by such officials.
I shall be highly thankful for your quick and favorable response.
Thankyou
Aarti Pahwa
Agent BO, Sec 17 PKL, DO III Chandigarh
[protected]@gmail.com