[Resolved]  Bharti Axa — My policy LAPSE Due to BROKER Promise & nothing refund of 36036.00

Address: Bhavnagar, Gujarat, 364001

I had taken 2nos. policy as detailed given below on Dt28.07.2009
1st POLICY NO:[protected]NARENDRASINH UDESINH DODIYA)
Issue date 31/07/2009
maturity dt.28.07.2034
For insurance of my son SamratNarendrasinh Dodiya
@Yearly Premium of Rs18018.00

2ND POLICY No:[protected]NARENDRASINH UDESINH DODIYA)
@Yearly Premium of Rs18018.00
I had paid(for this2nd)TOTAL sum of Rs81643.00
as per letter received from BHARATI AXA On dtd09.08.2014

At that time I was posted at Kutchh & My advisor Mr Hemang Joshi was dealing with my policy.
But after 2014when I inquired about my both policy to My adviser he told me that I have left the job you can directly contact office.
After searching of new office at least I got office but i was asked that your 1st policy has been LAPSE Due to non payment & you will not get single Rupees from that amount.
I requested to Manager at Bhavnagar ofice but they clearly refused that we can't do for lapse policy as your advisor had not paid nor informed us about your money problem.Hence you continue with 2nd policy it will give you good return & FORGET about 1st policy !!!.
Sir My grievance is that Why I should not get 50% or 80% money which i had already paid..You can deduct some of the charges +paid amount to your advisor, but you must refund maximum amounts from our Hard earned money.