Meri policy 6 saal purani hai, main 18000 saal ka premium hai 6 saal ke baad meri fund value kewal 80000 hai if I withdraw than I only get less then 20% max new york agent ne mue jhe policy dete waqt kaha tha 3 saal tak premium pay karna hai 54000 aur 3 saal ke baad 84000 milenge saale sab jhoot bolte hai .logo ko jhoot bolke pagal banat hai.