Sir,
Many contradictions are there in your mail. I guess that you deposited your money in an insurance scheme as insisted by the bank staff.Most of the banks owned an insurance co. But these companies are not under RBI,and their business is not of banking.They are selling the insurance products along with banking scheme.Insurance is under IRDA.Any bank staff could not transfer your fund without your consent and sign and any insurance company will not give a policy without filled form duly signed.
I don't know what happened in your case?Either you are misguided by the staff or you expect more benefit.But you have to remember that market may have crash or gain.So for these type of products you should be patient.You should have to wait for gain.
As an insurance adviser I can suggest a solution but without seeing the policy document could not do anything.
My further advise is that don't purchase any type of insurance products without knowing all features. Insurance is a necessity.Take it as per our needs.
Regards,
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