Aviva Life Insurance Company India Limited

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Besides being cheating, IRDA is helping all theses co.'s by not taking action on them. Not checking their operations. not hearing the complains of clients, not acting on the complains, and these companies refuses to hear the complains since they know that IRDA is not going to punish them. Clients when wrong;y rejected their claims, troubled by the companies when they go to surrender or paid up their ULIP.
Aviva is not accepting application form down loaded form for surrender, they are asking clients to visit their office to get the form, they do not direct clients to bring necessary documents, they refuse to accept notarized documents with out looking at original. After producing the original they try to find faults and are argue to discourage the client to surrender the form.

They try all the methods and play all tricks to delay. They pay dirty games.

Reliance Insurance forgot to send the premium notices, then they did not give laps notice, but one fine day they deposited money
in clients bank account with out he surrendering the policy declaring the policy as lapse.

Even Insurance Ombudsmen is also bought over by them, so unless a strong lawyers is not hired they refuse to take the caseor an individual will loss the case.

In short there no door is open for a small man to fight them. He is always a looser. And no one to listen to them.

ULIP is the greatest field of cheating. Agents are trained to lure customers with brighter gains and false promises. Deductions and cuts are not disclosed. Once initial premium is paid and policy is issued just be assured one will loose any time , if decided to withdraw. It will be still best to terminate as early as possible.