I have taken ULIP Policy from Aviva Life Insurance in March 2007 with Policy Number 'RSG1494815' through Aviva's Agent named Jitendra (Mobile no. ********05). He had provided this policy with a note that you can surrender this policy any time after locking period of 3 years in reference to whatever amount you have deposited at any period of time (like 1,2 or 3 years) and you will get the money based on market value of that surrender time. So I have deposited 55,000 in two years (22 months). after that due to financial problem i couldn't continue this policy. When I visited to aviva office in cannaught place branch at New delhi India in May 2010. They told me that they will not surrender this policy and if we want to continue this, I need to pay full amount of Rs 55,000 till date. then policy will renew.but due to my financial problem, I could not continue. Now They said that policy is lapsed and no money will be given to you. they have cheated me and taken all my 55,000 Rs with them. I am helpless to do anything. I need money. Please resolve my issue ASAP. and get my money back through whatever the process. surrender or etc...... Mohammad Swell