Let me begin this tale by asking you one simple question...You buy a life insurance policy from some company and decide to cancel it in free-look period. What do you expect in response from the company?
Probably just a simple YES or NO - meaning the free-look cancellation request is accepted or not. In case of YES, you expect back the premium that you have paid. And in case of NO, original policy document that you submit while requesting free-look cancellation and a rejection letter stating the reason for rejection of free-look cancellation request.
Now this pathetic company has not been able to say YES or NO in past 4 months. I have returned the policy during the free-look period along with a written request. But even after struggling with this company for 4 months, they neither have returned the policy nor the premium paid. And the struggle is still going on....But man no respect to customer at all. They are just interested in pocketing the money.