Sir, I was sold a SBI Life - Shubh Nivesh Policy by broker Vignaharta (Code 17329119) by saying that by paying a premium of Rs. 30,000/- p.a.for five years I will get back Rs. 2,70,000 (Rs. Two lakhs seventy thousand) as under : Rs. 1,50,000 for premium paid + Minimum Rs. 75,000 (i.e. 1.5 times of my investment of Rs. 1,50,000 paid towards premium paid + 45,000 (i.e. 150% bonus of my annual premium of Rs. 30,000) at the end of five years. I am enclosing the pamphlet given by him before I paid the first instalment to him for the above policy No.350 06248 705 Customer No. 25420547 in the name of my wife Mrs. Geeta Talwar. When I checked with the Customer Care I was told that only the bonus which is 2.5% of sum assured along with sum assured Rs. 1,29,000/- will be paid. Also I want to discontinune the present policy but it is not permitted at this stage as it is permitted within 15 days of receipt of policy. Surrender value is 30% of three years premium less first year's premium which means negligible amount. I have no option but to pay the full premium for five years. . Since the premium is shortly due next month (Rs. 30,000/-) Kindly advise Letter written to the Regional Director, SBI life is not replied.. Thanking You. M.K. TALWAR, Husband of Geeta Talwar Tele : Mob 9810720100