Subject: Misrepresentation and Fraud Committed by managers of Lucknow Office Reference: Policy No. [protected] & [protected] Dear Sir, I am constrained to write to you as under for your information and necessary action in the matter: - I have two above mentioned policies in my wife’s name and my name. The premiums of the policies are of Rs.9998.77 and 10000.02 to be paid annually. It is noteworthy that the policy was taken on the advice of Mr. Vinay Varshney of your Lucknow office who had come to my office personally and persuaded me to take this policy, which would give me coverage of life for financial security of my family as well as handsome returns. Mr. Varshney also advised me that I can withdraw my amount after 3 years of deposit without any deduction and will get handsome bonus as well. Mr. Varshney had by misrepresentation, persuaded me to take the above policies, which is impossible to continue for a further period of 43 years since my age is 55 years. The following points may also be considered: a. That the policy, instead of covering my wife’s and my life, is covering my son’s life, who at that time was only 12 years old and he is not an earning member of our family. So covering his life gives the family members absolutely no financial security at all. b. Moreover, Mr. Varshney had kept me under the impression that my wife and me will be covered but now I see that my son, who was only 12 years old, has been insured, which again is of no practical use since he is not an earning member of our family. c. Kindly, note the entire purpose of the policy is of no use at all. Moreover, I do not intend to add any burden on the shoulders of my son to pay for the policy for 43 years. d. It is also noteworthy, that when the boy achieves an age of 60 he will get the maturity, which shall be of no residual value, at that time. The whole purpose of the policy is thus defeated and bogus by any standards. e. It will thus be observed that it was sheerly due to the misrepresentation and incorrect information given to me by Mr. Varshney, that I took the above policy. f. Sir, I believed in the words of your senior officer, who had represented you also, I am a busy man and could not go through the details of the policy earlier within the stipulated period of 10 days. Under the above pressing circumstances I request your good self to kindly intervene and cancel the aforesaid policies Nos & and refund me the entire amount already paid by me together with interest. Thanking you, Yours faithfully (Nakul Sawhney) 173 E, Defence Colony, Jajmau, Kanpur 208010 [protected]@gmail.com [protected]