Policy No. 13745767
HDFC want me to keep paying the money without allowing me to see the documents.
When i gave the initial amount they assured that the policy is refundable if you don't like it.
3 months down the line I have not received the documents and this is what they have to say--

Dear Mr. Singh,

With regard to your e-mail, we would like to reiterate that the above mentioned policy is under lapsed status and hence, the same cannot be surrendered.

Please also find below the effects of lapsation on your policy:
•All units are de-allocated
•Fund value after deducting the surrender charge is held in a separate account.
If a lapsed policy is not revived within 2 years from the date of lapsation or 3 years from inception whichever is later, then money lying in the separate account will be refunded to the policy holder. Then the policy will be terminated and no further benefits are payable.

We assure you the best of our services always.

Warm Regards,

Rajesh Kumar
Customer Service Officer.