AVIVA has joined together with Indusind Bank to loot the hard earned money of public. All the unit linked policies of AVIVA does not state what will happened to the sum assured when the premium paid is higher. If means that at the end you will be given only the sum assured even if you have paid more. Please write to IRDA, AVIVA and Indusind Bank to clarify in this aspect. The most probable answer AVIVA gives is that "All risks in the policy has to be borne by the investor". Please stop paying premiums and instead invest in conventional fixed deposits. Please share and spread this message. What You can do is to withdraw the money in bank and that invested in AVIVA