Earlier than buying coverage from kotak insurance.Their agent told me i’m able to get bonus of Rs 5000 every yr And if I stopped policy after three 12 months i’m able to get minimal quantity Rs 1250000.But nonetheless date coverage has finished more than five years. I now not were given bonus and if now I give up coverage I can get only surrender cost Rs 700000 with the aid of deducting expenses as consistent with communication with kotak company.I inquiring for to you help me to get my again as cited earlier than taking coverage. Thanks,