Guys, Aviva is one of the biggest cheats. I was sold this policy in 2007 with lots of false hope and hidden information. I was told that the locking period is 3 years, and I could withdraw my money anytime after that. I was never told about the surrender value being very very high. I am making a loss of 25 thousand on surrender even after 6 years. My fund value is 10 thousand less than the premiums I paid. I do not know what kind of investment they have made.
Sensex, Nifty everything has risen by 20% in 6 years but not my fund value. I do not understand why. Even if I had fixed it I would have got higher returns. I assume these guys have taken very high risks while the market was doing good and lost a lot during the financial crisis. I cannot understand how lame their fund managers are.
Never ever do business with them.