Sud Life — Agent is not taking cancel cheque of bank of baroda

Sir my policy 00921544 in the name of shilpa agrawal sirs due to covid 19 we suffers a lot we required fund so we want to surrender the policy we have given all the required document and a cancel cheque of bank of baroda in the name of shilpa agrawal.they rejected saying that they only transfer in bank of india saving account which was least in use.my home is 80 km away from jamshedpur branch I m very much frustrated for getting my own money with a loss of approx 37000.Tell me please you only give money to bank of india account why?very bad experience with sud life never suggest to any1,