Max NY is one of the worst insurance companies. They have a locking period of 3 months and after the 4th year of the policy they should give you 100% return. I surrendered my policy after the 4th Year and got only 75% of the money in return whereas I am supposed to get 100% after 4 years. The Call centre is really bad and keep promising you things.
I have waited for my money for more that 6 weeks and when I call them they give me the same reason. This company SUCKS.