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I am Suresh MS, holding a Kotak Mahindra super advantage plan (Policy No. 01865295), every year I am paying an amount of INR 36,000/- as policy premium amount since last 3 years. When I took this policy, the sales executive & corresponding sales manager shared the information that just pay for 3 years. Later I can close the policy. And even they have mentioned that this policy does not have charges like allocation, withdrawal except the mortality which is very nominal. But when I called up the customer care to close this policy as I have completed 32 years now got a shocked response that I will not get 1st year premium amount. It means I will not get 36,000/- rupees. It\'s nothing but pure cheating. Even I asked some more information like can I stop paying after 3 years, then the customer care executive is telling that you can stop after 3 years. but they will deduct some charges from my existing fund value. It means i will get my money only if i pay up to 20 years. This is ridiculous. The customer care executive is telling that it\'s indirectly mentioned in the agreement. How a normal guy could knows all these things before??? Now i just need my money back... And today I have received a message saying If I am not making a premium payment by 28th of this month my policy will lapse!!! I need justice, Please return my hard earned money back. Expecting a good response at the earliest..