| Address: | Chennai, Tamil Nadu, 600107 |
Dear sir/madam,
Please read below my email sent to sbilife.
From: [protected]@yahoo.co.in
to: [protected]@sbilife.co.in;[protected]@sbilife.co.in
cc: complaints irda;[protected]@sbilife.co.in;[protected]@sbilife.co.in;yamuna moreyra
date: 31/08/2017 10:49:10
subject: fw: updated: service request # 7185079: fw: updated: service request # 7146282: complain on sbi insurance: request # 7120314: cancellation 0
Dear mr sayantani mazumdar,
Good day!!
Thanks for your reply.. I don't think any of you people understandwhat i have been saying about this issue for the pass one month... I don't thinkmy emails are read properly and my calls been recorded... I have requested for asenior manager to call me on this issue, but till date i didn't receive anycalls, only you people send emails, which is of know use...
As i have mentioned in my email to you, the details given in theproposal document is not given by me, and it was filled by your policy agent, ihad only signed a blank form, i told him that i will fill the same, but he saidhe will do it.. As per the irda rules, application forms must only be filled bythe customer infront of the agent and not by the agent without the customerbeing there... Is this not violation of the regulatory guidelines.in mycase your agent has gone against your regulatory guidelines... Is your socalled regulatory guidelines only for customer to follow and not sbi... Infactthere are so many mistakes in the application for, my ctc is mentioned wrong, my wife;s email is mentioned wrong not sure from where on earth you have heremail id as [protected]@yahoo.co.in, when it is [protected]@yahoo.co.in, evenyour email is addressed to the wrong id.. This shows how what type of serviceyou guys give... Will so many mistakes done by sbilife, i think i would need tohighlight it out to the media, on how sbilife are cheating its customers andonly want their customer's money, which is happen in my case... Infact what hasbeen done on my application form is "forgery" for my information, which i have proof of.
And as stated in the email i had gone the 3rd day back to my sbibranch asking them to cancel this policy, which they said they can't do it andthat i have to keep it atleast for 3 years. This was told to me on 3 differentoccasions when i had approached the branch. I have told them that i can¿tafford to pay a premium of rs 60, 000 every year, due to my financial issues, for this i was told by the branch manager, that it¿s ok if i don¿t pay but keepthe policy for 3 years and then i can tell them i can¿t pay and surrender thesame. I had gone back to them after getting the policy document showing the managerthe surrender clause, and he said not and issue sir, you can explain yourproblem that time and they will deduct the interest and give you back yourmoney.
As i have told you people more than 10 times through email andcalls that ¿i can¿t pay any permium as i am not in the position to do it as iam not in a good finanacal status¿
I don¿t want to stay invested with sbilfe, and i don¿t want anybenefits from sbilife, as you guys are not worth it at all. You guys only knowto trick people into something like this and then cheat customers by keepingtheir money. I have gone a good service from you guys at all. And nobody insbilife seems to understand my problem.
Let me make this clear, i don¿t want to revive my policy; i don¿tto have anything with sbilife anymore.
Sbilife has no right to keep my money as per the law¿i don¿t wantanything extra from sbilife¿. All i want is my money back and there is no way iwill keep quiet not getting back my money from sbilife!!
I don¿t want to make a big issue of this problem, but looking fora good solution by getting my invested amount back¿. But i am been pushed bysbilife, to go to the media to make this issue public and to bring a bad nameon sbilife..
Being a man of good qualities, i don¿t want to go so far, but i thinki have too as you guys are only trying to cheat on me.
I want a call from the gm of sbilife to speak to me on this issue. I hope atleast now somebody out there understands my problem and help me beforesomething bad happens!!
Regards, craig. Moreyra
On wednesday, 30 august 2017 5:41 pm, sbi life wrote:
Reference number: sr no. 7185079
Irdai token number:[protected]
Sub: sbi life policy number: 1e[protected]
Dear sir,
This is with reference to your email dated 17.08.2017 wherein you have raised your concern regarding the captioned policy.
In this regard we wish to inform you that the policy issued is sbi life saral pension - series 1 with annual premium of rs. 59, 912/- for a term of 10 years.
The policy has been issued based on the details furnished in the proposal form signed by you. The policy document along with copy of proposal form signed by you was dispatched to you detailing the policy benefits and terms of the policy contract on 08.01.2014.
We invite your kind attention to the welcome letter sent along with the policy document with regard to the free look cancellation clause wherein you had an option to cancel the policy within 15 days from the date of receipt of the policy document. However we observe that no such representation was received at any of our office. Your request for cancellation has come after a considerable lapse of time.
Further we request you to provide your correct occupation details and annual income so that the same can be updated in our records.
As per policy terms and conditions, you may surrender your policy during the term of the policy after completion of at least 3 policy years and if you have paid 3 full policy years¿ premiums. Also, kindly note that this is a pension policy and as per product features, the entire or commuted surrender amount can be utilised for pension. We request you to refer clause 4 in your policy document, for complete details regarding the same.
Under these circumstances we are unable to accede to your request for cancellation of policy and refund the premium paid at this stage as any deviations in the approved product terms and conditions would be a violation of the regulatory guidelines.
However, we request you to stay invested with us to reap maximum benefits under the policy. The current status of your policy is lapsed due to non remittance of premium since 30.12.2014. We request you to kindly remit the premium as per the attached revival quotation along with the declaration of good health form at any of our nearest branches.
We have tried our best to resolve the complaint. However, in case the resolution is not to your satisfaction, you may represent further to chief operating officer at [protected]@sbilife.co.in
In case we do not receive any communication from you within 8 weeks from the date of this communication we shall treat the complaint as closed.
We value customer patronage and assure you of best services at all times.
Yours sincerely,
Sayantani mazumdar
Avp - client relationship
Phone[protected]
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