ICICI Prudential Life Insurance — Complaint against icici prulife by a harassed customer

Address: 121006

I bought two policies 16305709 and 16305702 in year 2012 and at that time icici did not disclose that there is a locking period of 5 years and there is absolutely no way you can get any money back before 5 years no matter how dissatisfied you are with their service. So far i have paid the full premium for one of these policies 16305702 and it is when i had to purchase a house and i am in need of money i came to know about it. I wanted to surrender one of the policy so as to get enough funds. It came as a shock to me when i hear that basically it is a no exit scheme. Moreover the customer care and the branch manager have different stories to share. Customer care told me i can have the money back with some deductions whereas the manger said there is no way i can get it but to wait till next year which is too late for me. I had planned my expenses based on the money i receive. I am so disappointed with the way they deal with the customers.
I shared good relationship with the bank in the past but now after facing such experience i would never ever recommend anyone to get any policy and i will withdrew all my accounts.