SBI Life Insurance Complaints & Reviews

My exam suppose to be held on 21 st August which I did not appear for & not interested to become Insurance adviser too.Send mail to sbi & send register letter to Sbi insrance branch where i applied for .Now I am getting call saying that URN NO- SLII[protected] can't be change because SBI rule is once generated URN no can't cancel it can be transfer but when said that I did not sit for exam they asked for to sit for exam & if I fail then URN no will be transfer ed.

Dear Sir,

I (MAHESH KUMAR ARORA) received a call from mobile no. - [protected] by Ms. NEHA SHARMA ( MOBILE NO. [protected]) from SBI Daryaganj branch, Delhi, She has told me that she will give me a insurance policy (Shubh Nivesh whole life plan) which you will be pay in one time premium in this policy and the benefit of this policy are : -
1 – You will pay Rs. – 97,000/- one time premium, MAHESH KUMAR ARORA (Cheque No. 202251 Rs. 97000/- Dated: 1-7-2012 and 2nd SUSHMA ARORA Cheque No. 091908 Dated : 2-7-2012 of Rs. 97000/-)
2 – After three year you will get Rs. -2, 40,000/- at maturity.
3 – In normal death your nominee will get Rs. 3, 00,000/-, in accident death your nominee will get Rs. 6, 00,000/- and from Government vehicles death your nominee will get Rs. – 9, 00,000/-.
4 – In this policy you will get of Rs. - 1, 00, 000/- medical insurance per year.
5 – If I continue this policy for five year you will get Rs. - 1, 00,000/- medical insurance for five year.

I have said to Ms. NEHA SHARMA that you will give me in writing on your SBI letterhead same benefit you are provide to me, She said that will be mention in your policy document and if you need I will give in writing also, I will give the statement from mail, same word said by the branch Manager of SBI Daryaganj, Delhi, Mr. KUNAL SOLANKY. Then I said to Ms. NEHA SHARMA issue me one more same policy with the name of my wife Mrs. SUSHMA ARORA and I have give the cheque No. 091908 Dated 2-1-2012 of Rs. 97,000/-.

I am very shocked, When I have received[protected] – SUNDAY) the policy document from Mumbai, there nothing is mansion in this policy (My policy NO. – [protected] name of MAHESH KUMAR ARORA). And same thing of second policy no.[protected] name of SUSHMA ARORA(Wife). Then I have call in your helpdesk no. [protected] at 15:00 p.m., then I take the all information from them it’s not one time premium policy you will pay the premium of Rs. – 96,833/- for five year.
Very Next day[protected] MONDAY) I have talk to Ms. NEHA SHARMA, She said I will send the mail today positively then she don’t send to me due to she was not well and she have take half day leave, Again next day[protected] Tuesday) I have call to Ms. NEHA SHARMA but I have not talk to her at office No. [protected] but I have talk to the branch manager Mr. KUNAL SOLANKY, He assure me that he will be send the email from his e-mail (kunalsolanki.[protected]@yahoo.com) but he (Mr. KUNAL SOLAKY) send me the e-mail with his personal e-mail ([protected]@gmail.com) that I have forward to you below, then I have talk to him that he will be give me in writing the benefit of this policy from his official e-mail or give me in writing on SBI letterhead, otherwise I will take the necessary action against both of them Ms. NEHA SHARMA and Mr. KUNAL SOLAKY.

I am again shocked when I have visited your branch 112,Dayanand Nagar, first floor, Daryaganj Delhi – 110002. Tel.:[protected] – 13, Then I have talk to the branch manager Mr. Sanjeev Khanna ji, He told me it a regular policy and it’s not made by direct SBI.
Its issue by the Agent/facilitator Mr. Alok Mishra (IA code[protected], phone 011 – 26644922
I have all phone voice call record also that I have talk to Ms. NEHA SHRMA and Mr. KUNAL SOLAKY and both are agree that the benefit they are given to me.
Now, it’s proved that I have cheated by Ms. NEHA SHARMA and Mr. KUNAL SOLAKY.
I don’t want to continue with this policy due to from staring you are cheating to me in future what you will do…?
It’s a request to you please revert back my both check in the name of: -
1 - Name of MAHESH KUMAR ARORA Rs. – 97,000/-( POLICY NO. – [protected])
2 - Name of SUSHMA ARORA (Wife) Rs. – 97,000/- (POLICY No. -[protected])
And take the necessary action against Ms. NEHA SHARMA ( MOBILE NO. [protected]) and Mr. KUNAL SOLAKY( Mobile No. [protected])because they are cheating to the SBI customer they are representative of the SBI who will believe in the SBI. So please take the necessary action against them.

Regards,

MAHESH KUMAR ARORA
# [protected]
# [protected]

RESPECTED SIR/MADAM,

PLEASE FIND MY COMMUNICATION DONE WITH SBI AS WELL AS IRDA REGARDING REFUND OF MY HARDLY EARNED MONEY ENGAGED IN FRAUD SBI LIFE INSURANCE POLICY, YOU CAN CHECK THE WHOLE DETAILED MATTER I HAVE WRITTEN TO THEM BUT NO POSITIVE ANSWER OR MONEY CAME BACK TILL DATE. YOU ARE REQUESTED TO TAKE THE MATER TO HIGHER AUTHORITIES TO HELP ME.

WARM REGARDS,
MALKEET SINGH
[protected]
---

To: <[protected]@network18online.com>,<[protected]@irdaonline.org>


Subject: VERY URGENT (REQ HELP - FRAUD POLICIES GENEATION AND DENY FOR RETURN DEPOSITED MONEY)]


Date: Wed, 01 Feb 2012 17:06:07 IST
Cc: <[protected]@intoday.com>,<puneet.[protected]@aajtak.com>,<[prote...⇄
Bcc: <[protected]@indiatvnews.com>,<[protected]@yahoo.co.in>
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ToPEHREDARNetwork18
Subject : Wrong Policy Issued and Deny for Cancellation/Refund of money by SBI Life Insurance

.Dear Sir or Madam,I, Malkeet Singh, the policy holder would like to draw your kind consideration and seeks your anticipation in the matter given as under:

1. that, I, Malkeet Singh R/o, WZ-116, Plot No.-332, Chand Nagar, New Delhi-110018 have enrolled to the policy (SBI - Subh Nivesh) vide Policy No. [protected] having proposal no. 35715422 Dated 31st January, 2010 was executed through Broker BONANZA ASSURANCE ADVISORS, HEAD OFFICE (Channel Code :[protected] in favor of SBI Life Insurance and amount was paid of Rs.18000/- (Rupees Eighteen Thousand Only) via Cheque No. 060368 dated 31st January, 2010 (of Syndicate Bank, New Delhi) having Receipt No. NOA/IP/14524 (Copy attached). :: AND:: Policy No. [protected] (SBI Life Money Back Plan Option 2) was issued in the name of BHUPINDER SINGH R/o, WZ-2/7A Vishnu Park, New Delhi-110018 having proposal no.[protected] Dated 10th February, 2010 was executed through Broker BONANZA ASSURANCE ADVISORS, HEAD OFFICE (Channel Code :[protected] in favor of SBI Life Insurance and amount was paid of Rs.18000/- (Rupees Eighteen Thousand Only) via Cheque No. 906108 dated 10th February, 2010 (of ICICI Banking Corporation Ltd, Punjabi Bagh)

2. that, I have enrolled to the above said policy along with Mr.Bhupinder Singh (Another Policy Holder). Please note that, both o[censored]s were enrolled to the policy, which was committed and agreed by Mr.Niraj Kumar (the policy seller) that, our policy was issued wrongly by the mistakes of his officials and the policy was UNIT PLUS i.e. only paid for 3 years and get money back after five year. And both o[censored]s have cheated by the policy seller.

3. that, Please refer to the Annexure-I for detailed matter and correspondences I have done with SBI Life Insurance as well as with IRDA but nobody is adhering.

4. that, IRDA has asked me to fill the form provided by them to me as their mail-attachment which was filled and mail twice (see: forwarded email) and all details and evidence were provided to both of them, but have no output to come up with till date.

5. that, earlier SBI Life Insurance has agreed to help us by writing reply as

[[[[[[ Mailbox of [protected]@rediffmail.com From: sarita.[protected]@sbilife.co.in To: [protected]@rediffmail.com Subject: Fw: request from malkeet (RefNo.CMS/REL/[protected]) Date: Thu, 23 Sep 2010 17:37:18 IST Cc: nazia.[protected]@sbilife.co.in, rajkumar.[protected]@sbilife.co.in

Dear Sir, We request you to provide us the proof supporting your claim to enable us to proceed further.

Regards,
Sarita Sahu
Relationship Department
SBI Life Insurance Co. Ltd.,Tel no.[protected]Fax no.[protected] /[protected] Forwarded by Sarita Sahu/Operations/Mumbai/sbilife on 09/23/2010 05:34 PM ----- ]]]]]

But then they denied to help and provide our money back...

6. that, I have seen your program on Network18, and thus writing to you for help and assistance for having our hardly earned money (Rs.18000/- to each) back at the earliest.

7. that, Please find the attachments as forwarded massage with this mail for your kind consideration and perusal.8. It is a very humble request to you to look in to the matter and help us and you are most well come , in case you require details any further.

Thanking you,
Warm Regards
Malkeet Singh
[protected]

[protected]@rediffmail.[protected]@yahoo.co.in[protected][protected][protected][...⇄ Forwarded message attached-- Original Message --From: "malkeet"[protected]@rediffmail.comTo: [protected]@irda.gov.inSubject: REMINDER - IV [COMPLAINT FORM (DULY FILLED) - VERY URGENT (REQ HELP - FRAUD POLICIES GENEATION AND DENY FOR RETURN DEPOSITED MONEY)]Thanks & Regards,Follow Rediff Deal ho jaye! to get exciting offers in your city everyday.
Dear Sir,Please find the attached Form duly filled along with detailed matter as an attachment with proof (Mobile Voice Clips) to support to my claim. Also, please note that, I was very busy due to my marriage held on 19th February, 2011 resulting delay in response. I apologize for the delay in reply.Further, to furnish you that I have received this kind of reply from you second time stating requirement of filling the form, which I have already done twice. Also, I have talked to the Customer Care of IRDA for complaint. But your representative suggested me to first asked to the Insurance company. In case they deny to support me then I may call or register to IRDA. Still, I am providing you all the details herewith as attachments. Hope this time you adhere to me and help me providing my hardly earned money from the Insurance Co.Kindly acknowledge the receipt of the same.
Your Sincerely,
Malkeet Singh
[protected]

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I WOULD LIKE TO INFORM YOU THAT MYSELF MAMTA AHIR, INSURANCE ADVISOR OF SBI LIFE INSURANCE COMPANY LIMITED, BRANCH –BHILAI, CHHATTISGARH .IA CODE[protected].MY UNIT MANAGER IS SHRI SUDHANSHU BANSAL AND THA BRANCH MANAGER IS SHRI VINAY PATHAK. I HAVE DONE 50 NOS. OF CHILD PLAN POLICY IN 2008.TOTAL BUSSINESS VOLUME OF 50 NOPS IS ARPOX. - 7 LACKS. TILL DATE I AM NOT RECEIVED ANY COMMISSION.I TALK WITH UNIT MANAGER & BRANCH MANAGER TIME TO TIME BUT RESULT IS ZERO. SO PLEASE HELP & GUIDE ME TO TAKE MY COMMISSION. DETAILS OF POLICIES ARE GIVEN BELOW-

SL.
NO. NAME OF CUSTOMER POLICY NO. AMOUNT
1 YOGENDRA KUMAR AHIR [protected] 12000
2 YOGENDRA KUMAR AHIR [protected] 12000
3 DHAN SINGH CHAUHAN [protected] 15000
4 DILEEP KU.THAKUR [protected] 12000
5 HIRA LAL SAHU [protected] 12000
6 ROHIT KU.TONDON [protected] 15000
7 MOHAN LAL SAHU [protected] 25000
8 MOHAN LAL SAHU [protected] 25000
9 BENI RAM SOUKAR [protected] 12000
10 RASIYA RAM [protected] 12000
11 S.K.BHATTACHARJEE [protected] 15000
12 BHAU LAL ROKADE [protected] 15000
13 PRADEEP KUMAR SHOME [protected] 15000
14 RAMESH V.NIMJE [protected] 15000
15 RAJKUMAR UMARE [protected] 6000
16 C.S.PASHINE [protected] 12000
17 ROHIT KU.NIRMELKAR [protected] 15000
18 K.K.THAKUR [protected] 12000
19 O.P.SAHU [protected] 12000
20 B.DAHATTE [protected] 15000
21 SANJAY KUMAR JAIN [protected] 12000
22 SANJAY KUMAR JAIN [protected] 12000
23 M.L.SAHARE [protected] 12000
24 SUSHIL KUMARPANDHARE [protected] 12000
25 RAVI NARAYAN [protected] 12000
26 RAVI NARAYAN [protected] 12000
27 KAMAL LAL SAHU [protected] 12000
28 KAMAL LAL SAHU [protected] 12000
29 BALMUKAND THAKUR [protected] 12000
30 ARCHANA KUSUMKAR [protected] 12000
31 S.PATIRAM [protected] 12000
32 R.K.KURREY [protected] 6000
33 MADAN LAL THAKUR [protected] 12000
34 ASHOK KUMAR SONI [protected] 15000
35 AZAJ ALI [protected] 12000
36 ASHA KIRAN DAS [protected] 15000
37 TRIPURARI SINGH [protected] 15000
38 RAMESH KUMAR SHUKLA [protected] 12000
39 KAPIL DEO SHUKLA [protected] 20000
40 KAPIL DEO SHUKLA [protected] 30000
41 SATISH KUMAR NAIK [protected] 12000
42 ARTI TAKWALE [protected] 12000
43 YOGESH YELNE [protected] 15000
44 K PRADEEP KUMAR [protected] 15000
45 AJAY KUMAR JAIN [protected] 12000
46 OMPRAKASH SONI [protected] 25000
47 SHIV KUMAR SWANAKAR [protected] 25000
48 DILIP KUMAR KAR 30285235 12000
49 RAKESH KUMAR SONBOIR 30285236 25000

This is Padma. 3 years before ,an employee of SBI bank explained about the SBI LIFE INSURANCE-SMART ULIP Policy Scheme. He explained me the plan as: You have to deposit 3 installment of Rs.50,000 for 3 years and after 5 years of time period you will get the money back the amount would be nearly Rs.300000. Then he told me that once you put the policy then only we ll get the policy book,we just trust him so we joined 2 policy. Now the policy in written which I get is something different which I was told in this the maturity period is 9 years.
Now our 3 premiums were completed...on Dec 2012 , 3 years will be completed. Now I asked the procedure for getting money back..2% will be surrender charges and also we wont get the entire amount that we paid. We lost our money nearly Rs.50000 .. They said after 9 years only according to highest NAV 19.23 the amount will be return. Now they just assumed our total amount that we paid is 3 lakhs for 2 policies now the return money will be Rs.250000 approximately. We are Pensioner , even that bank employee knows that ,they pushed into this such a big problem.

This is totally fraud..
I hope you will take the proper action...
It ll good at least we ll get our money back (RS .300000)
Please help us

DONT PUT THIS TYPE OF POLICIES. Even Ignore the regarding Calls too.

i had receved our policy no [protected] customer no 25012400 dt[protected] sum assureed Rs 50,000/- We have to say the agent told us three years paying term 11.50%interest plus .25% additional along with acidental n health plan upto Rs 5 lacs n can take out our money after three years with interest .
As we have been cheated n some of the information r wrongly written we have one sbi life insurance policy of rs 15,000/- frm 2010 . This id based on fraud n cheated by your agent we would like to cancelled this policy n our amount should be return to us


rajeev uniyal
44/28 ka aparna bhawan hazratgunj lucknow 226001 [protected]

Sub: NON- RECEIVE OF SBI LIFE POLICY DOCUMENT
RELATED
Sir/Madam,
Respectfully I am to state that I had availed a personnel Loan for Rs 2, 60,000/ in 2010 February last from your branch. The Insurance Officer o[censored]nder your disposal assured me and get signed in Policy documents for Rs 22200/-being one time installment policy, and the said amount was deducted from my saving passbook for that purpose.
That (a) despite that fact I am yet to receive the policy document, for which I had also submitted a complaint to your good office and through customer care net banking. Since Original Policy is mandatory to furnish at your office itself, it must be delivered to me in time. But a matter of regret
despite of submitting complain no result so far. May I hope and request you once again to do the needful
(b) I have received a letter from your regional office Guwahati for payment of 2nd installment of Policy premium, and thereby I could ascertain that my Policy No [protected]. Neither I was informed to pay such huge amount as annual premium, nor I am financially not in a position for continuation. I had also contacted Mr Devajit Borah RM (BANCA) Guwahati over telephone No[protected],on[protected] who suggested to submit a complain to the BM SBI Itanagar for their further action .And accordingly application submitted on 6th Sept/2010 but so far no result. This fact of experience has been raising dissatisfaction inside me over the service of SBI Life
Therefore you are requested to kindly do the needful action in these matter at the earliest.
Yours faithfully

(BOGI RAM CHETRY)
1ST AAP Bn HQ Chimpu
[protected](M)
email=chetry.[protected]@gmail.com
NOTE(In March 2011 I again approach the BM SBI and applied applied for convertation of the policy into single instalment policy but so for no action is taken place. I am yet not having the original Policy doc. May refund the amount with equal rate of interest as deducting from me against the loan including that Rs 22000 also. Dtd Itanagar the 24th Nov/2010.Today on 12/6/12 I visited the SBI Life Insurance office Itanagar and again approached them to convert it into single premium policy, but they inform their inability to do so. This is quite cheating with consumers who are unable to deposit such huge amount every year like me.
Dated, Itanagar the 12th June 2012
¬ The Copy of reference correspondence made to:
The Branch Manager,
State Bank of India
Itanagar (A.P)/Manager SBI Life insurance
Submitted to the Consumer court for kind necessary action please.

Myself Sanjay Gupta, Govt. Employee at Rohtak reserve a SBI Life Insurance Policy No. [protected] annul premium Rs. 12000/- in 2008.
After two year in 2011 I have not deposited the annual premium now I surrender my policy and I got Rs. 23342/- but I deposited Rs. 24000/- in two years.
When I book my policy, Agent told me that when you will surrender the policy after 2year or 3 years no charges will be claimed and interest will also be given
to you. Now I was shock when I received Rs. 23342/- on deposited of Rs. 24000/- and no interest. I deeply regreted saying that I feel guilty to book a policy
of SBI Life Insurance. I book the policy on condition that whenever I need money I will surrender than agent say me you can withdraw you can surrender your policy and no charges/fine will be charge by SBI Life Insurance.
And now I am feeling like as I am cheated.
Kindly look into the matter and help me i[censored] can do otherwise I will not be guide anyone to book a SBI Life Insurance Policy.
Sanjay Gupta

I was informed by a tele caller about the Shub Nivesh Policy of SBI Insurance where the period informed was payment of Premium was 3 years & maturity after 5 years, Insurance will continue till 12 years.but Policy recd had been for payment of Premium was 12 years,& maturity amount also not specified,agent detials were fictitous,agent's where about not known.

I have discussed with all the senior person & they...

My complaint regarding above said policy for Unit Plus III Plan is as briefed below:-

-Myself Suman Arora received a call from Ms. Pooja Sharma(Mobile No. [protected]), who is in association with Anil Mehta, Mobile no. [protected], informed me about my interest about short term plan in March'2010. She informed me that SBI has Unit Plus III plan wherein minimum annual premium i have to pay is 30,000/- and after regular payment of this premium for 3 yrs i.e. after investing 90000, i will get 1,20,000/- in return + 30,000/- will remain in this allocation by which i will be insured for 19 years under this policy. so total which i will be getting will be 1,50,000/- out of which i will get 1,20,000/- after 3 yrs. Also Ms. Pooja told me that after 6 months of this policy, i will get bonus of Rs. 15000/-. Thereafter i gave my confirmation for this policy and paid Rs. 30,000/- on 17/03/2010 and they have given me temporary acknowledgement slip for the same. (Scanned copy enclosed).

-Thereafter, few days, i received original bond wherein altogether different information was given that enrolled policy is for 15 yrs tenure and premium per annum is Rs. 60,000/- and not 30,000/-. I immediately called up this pooja wherein she told me to talk to Mr. Anil Mehta, I talked to him with a great difficulty as always he says that he is out of station. He ensures me that whatever they committed earlier is right and i should not bother about this policy terms. i will get this money i.e. 1.20 Lacs after 3 years. Since whatever they were saying was different from terms and conditions of bond, i told them to confirm the same in written and he said that he will be sending myself a mail. As on date, they have not given any confirmation towards the same. Then i contacted one of the branches of SBI wherein they told me that information given to me is wrong and this is a market linked plan and i need to atleast pay full Ist year premium and then after 3 years can claim for surrender and the surrender value will also be given after deducting their administration charges and others for 3 years.

On requesting them to refund my money or settle it by other means they told that as per policy terms there is a look up period of 15 days and that is over and they can not do any thing. This is what is the kind of responsibility SBI Life Insurance have towards their customers that even if the customer is being ditched by their agents or brokers, they have no concern, they are more concerned about their policy terms irrespective of any situation or circumstances.

In view of above, please advise how can I get my money back.

Dear Sir

I had applied for PF Withdrawal in my previous company SBILife Insurance Co. Ltd. on November 2011. I had received confirmation that they received my Withdrawal form and the same is in process. But now almost more than I year passed away and i did not receive my PF Withdrawal amount.

I had tried lot of times to communicate to HR through Email and verbal but neither they replying properly on emails or not providing satisfactory answer on verbal communications. My employee ID in SBI Life was 6844 and according to HR the same was consider as PF no.

Even I am not sure that they send my PF request to concern department or not.

Kindly help me and guide me to withdrawal my PF fund.

my name is hari singh meena from Dausa rajasthan. has paid renewal prenium policy no. [protected] by SBBJ Bank Branch dholpur cheque no. 559115 date 10/12/11 amount 25000/-. but policy is not running. i inform SBI Branch Morena office many time but i'm not satisfied. plz do me favour.



Hari singh Meena

[protected] is policy no
invested 6.75 l and now fund is 3.5 l
health load they say is 28000 and with [protected]@pa peimium

I am Akansha . I had taken a policy of Rs/- 20, 000 ( Subh Nivas) in the
month of Oct 2011 on my name . It's been almost 3 months and Up till now i
have not received any mail or hard copy of my bond papers. This is really very disappointing .
I have been following up with them from then on - wards but still not got any response from them . Please help me to get my amount back.

My details are -

DOB - 12sep1983
Amount - Rs/- 20, 000

sir,
sbi life brokers agent from embee brokers approached me for sbi life insurance . He promised us a gold coin if we invest one lakh in policy and we shall get interest of 12 % per anum . Now we have come to know that if we invest one lakh per year for five years then we are going to get only 4 lakhs back . I AM A RETIRED PERSON . I want my money back.
I never thought that brokers of such a renowned company can act like this .
please advise me what to do.thanks

sarvjit kumar thapar
( [protected]@yahoo.com)

Dear sir,

Sub: SBI life insurance cheated us by seling wrong policy

I am Mr Ashok Nagpal from Mumbai was cheated by SBI Life insurance. Mss Shakshi from SBI Life Insurance has called on my mombile to sell her policy, we liked that policy and asked her to explain further she did and we liked the policy and ready to buy it . Then she just sent a form to fill it that contain my name, address etc my all detail ,, i filled that form and signed it and sent it to her but that form does not show any policy rule or policy explain to me any thing that form only contain my detail sudenly after few days i receive a documents showing some policy and my form attached with it with my signature on form not on policy .I was ready to buy some other plane and they sold me some other plane . The policy which i was ready to buy was told to me that i will get return Rs402500 in five year and every year i have to pay Rs 50000 and now i got document stating that i wll get return Rs157000 after five year and every yaer i have to pay 50000 .I I Complaned many a times but no solution, they asked me to complain with in 15 days i claed many a time to shakshi but no reply and gone to mumbai office of sbi insurence but no reply they had wasted my 15 days and now they are saying you should ocmplain with in 15 days sir i am educated person had investment many other plane so i know which is good and which is not . Cosidering the brand name i had trusted and ready to buy policy but you broke my trust by cheating me how can i trust you people now no body will like to buy your Policy i was suggesting my friend and relative to buy this policy but now i myseld fall in this blunder how can i suggest other peolple .

Request you to solve our problem we middle class people earn so hard and try to save by trusting you guies and then finaly you also cheat us then....

will wait for your kind and positive revert

Thanking you
Ashok nagpal

Sir I Prem Kumar S/o Late Kishan Swaroop, R/o 12, Sadaverti, Azamgarh. I have purchased some policies in SBI Life Insurance from Azamgarh Branch. But I was shocked when our legal advisor read these policies because i have been purchased a single premium plan and he gave me the regular premium plan. Some points are mentioned below please read and justice me.
* In the month of June 2010 dated 25th Mr. Ganesh Chaurasia, Licensing advisor of SBI Life Insurance, Azamgarh Branch was meet me and sketched some investment policies of SBI Life.
* I have to chased a single premium plan and he and his manager was advised me also for a single premium plan and he was saying this was the one of the best product in industry. Then I was agree with his committment and purchased these policies. One day i went to bank for taking some loans then he is asking if you have any FDs then loan process will be easy for you. Then I have to shown my SBI Lifes policies and he denied for that. Then I went to our legal advisor and he is saying all the things in this policies. Then we are going to SBI Life office his manager told me to please paid your due premium. I am saying all these things to manager but he cant respond me. All policies details are mentioned below :

* Prem Kumar (Policy No. [protected])(Product- SBI Life Unit Plus III)(Premium-99999/-)
* Prem Kumar (Policy No. [protected])(Product- SBI Life Unit Plus III)(Premium-99999/-)
* Rahul Kumar S/o Prem Kumar (Policy No. [protected])(Product- SBI Life Unit Plus III)(Premium-99999/-)
* Vijay Kumar Younger Brother of Prem Kumar (Policy No. [protected])(Product- SBI Life Unit Plus III)(Premium-50000/-)
* Vijay Kumar Younger Brother of Prem Kumar (Policy No. [protected])(Product- SBI Life Unit Plus III)(Premium-99999/-)

All policies was purchased in the month of June 2010 but presently all are lapsed due to fake selling.
So please give me my all money to me because i am in a reach man to pay these amounts.
Company and his employees are breaking my faith because i am illliterate man.
So please give me the positive responce.

Regds,
Prem Kumar
12, Sadaverti,
Azamgarh
Mob.No. [protected]

Respected Sir/Madam,

With due respect tha I am policyholder of oPolicy No.[protected] Money Back Plan of your SBI Group, but sorry to say that I am not satisfied for your agent commitment. I told me Mr. Ravi Sharma (IA & his senior Mr. Mohit Goel that my policyi is only for 5 years period but is not truth, my policy is made for 15 years, it's cheated me.

After that I told by phone Mr./ Ravi Sharma & Mr. Mohit, regarding this policyi, he said me that I will meet you soon, but he is not met me and again I told by phone but he is not receive my call and h e can't satisfied me. Mr. Ravi Sharma and Mohit GFoel have late me for surrending the policy. Under these circumstances we are unable to sand the policy for redemption.

The above policy we can't running for 15 y ears period, because my personal circumstances. So, you are humbly requested to please cancel the above policy and send my payment as soon as possible.

Thanking you,

(Meena Agarwal)
W/o A.K.Gupta
C/o Standard Computer & Type Centre
Ist Floor, Near Punjab & Sindh Bank
Modinagar-201204 (Gzb.) U.P.
Mob: [protected], [protected]

Dear Ma'am / Sir


All this stared when we received a call from an Employee of SBI Life (Ms. Neha & Mr. Akash Contact Number [protected] & [protected] resp). They said that they want to come and collect an installment for SBI Life policy - Shubh Nivesh Whole Life Plan as the amount is due.

We recently have changed our residence address, so we asked them to help us in changing the same in policy's document too. (Policy s in the name of my daughter Ms. Divya Mehta rest all detals are mentioned at the end.)

These two persons then planned a FRAUD against us as they took the installment cheque and other documents for changing the address. BUT instead of changing it what they did was they gave us a new policy by using all the documents. She also took our original papers of the first policy but we have kept few documents for the existence of the same and if require we will use it against them.

But these guys made a mistake they used a wrong photograph, this new photograph is completely different from my daughter's photo.....
We were totally surprised and agitated when we received a call this month for the payment due of our first policy. These guys gave us a new policy instead of getting the payment done for our first policy.

Now we have 2 policies running with an installment amount of Rs. 40000/- each (Rs. 80,000 in total)

How in this world can a person do this, we trust Company & it's people but if this is the result then I have full intentions to go Legal against them. We are about to take legal action against them and company as this is totally unavoidable for me. This action is completely unexplainable. Someone out there who is reading this and can offer help (from Govt's side) regarding the same can contact me at [protected] / [protected]@ymail.com.

#
Details of First & Original Policy
Policy Holder Name - Divya Mehta
Policy Name - SBI Life Shubh Nivesh
No - NOA / IP / 22599
Application Number[protected]
Proposal Number[protected]
Channel Code[protected]
IA / CIF Name - Netambit Insurance Broking Ind.
Head Office.
Installment Amount - Rs.40,000/- yearly (Date - 28/10/2010)
Policy Duration - 5 Years

#
Details of Second & Different Policy (Fraud done by SBI Life Employees)
Policy Holder Name - Divya Mehta
Policy Name - SBI Life Shubh Nivesh
Policy Number - [protected]
Proposal Number - 35QC071276
Channel Code[protected]
IA Name - Mrs. Pranjali Jadav
Local Service Branch - Dehradun 75, rajpur road.
Customer no[protected]
Installment Amount - Rs.40,000/- yearly (Date - 17/10/2011)
Policy Duration - 20Years



Thanks & regards
[protected]
Surender Mehta

Akash Deep Gupta on Nov.27, 2011


Not received premium payment receipt for year[protected] for policy no. [protected] due on[protected]

I had paid my premium on[protected] by Online payment mode through SBI Net Banking under Transaction Ref.no.MSBI[protected] and the successful transaction reported back through online and SMS alert by SBI.It was reported that Premium payment receipt can be download after three days of payment of premium but I am unable to download the premium payment receipt. Please send the same to my address through post.

Thanking You,

Akash Deep Gupta Policy No:[protected]