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Hi My policy number: 01744109 3 years back a agent from Kotak approached my father and asked us to invest 1 lakh Rs, he said locking period is 3 years only, my father invested his lifetime earnings of 1 lakh on the insurance scheme given by kotak, later with bond my father approached him, there he told my father that this policy is for 20 years but locking period is 3 years, you can take back money anytime after 3 years. We are middle class people, agent has misguided and made 20 years policy and made us to pay 1 lakh per year, how can we get that much money. We are staying in rented house, So many other commitments are there. In this how to arrange 1 lack per year to pay the policy. Somehow first year my dad had his retirement earnings and invested thinking its just 3 years policy. But now its turning so bad that, we need to pay 1 lack for 20 years My father age is 60, i have a sister also we need money for her marriage. In this time from where we need to arrange money. our condition is very critical. I kindly request you to please refund our money.