They call you saying that you will get about 11 -12 % return where in they falsely claim that you will get money from 8th year onwards which is false. It just gets accrued. This is similar to Bharati axa scam which I had posted. Please take all the proofs over writing on email. Send it to the customer care also saying that they are claiming this and if it is not true you would like to cancel the policy. Please beware of such scams in market. Collect all the proofs of what they have claimed so that it is easier to contest with Ombudsman