I have purchased two policies of aviva in 2007 with a annual premium of 20000 each. the performance of the products are very poor. when talked about the surrendering of these policies, aviva agents says take only 48000/ while I paid Rs. 100000/-
So there is a big loss. secondly the money in Aviva is not growing. the fund value at present NAV is very low. can any one suggest how we can save our money from aviva.
If we surrender then we less amount is being paid and if I want to continue then fund value is very low. Aviva agents say pay premium for 15 years then your money will be equal to your capital money. I am harassed a lot. suggest some ways