Please read till the end. I went to surrender my father policy- 11999500. The guy name Santosh called me an agent. Ask me to wait for 1 hour, I said my father age is 75yrs and he can't wait for so long. But he is so rubbish guy he told no, I can't do anything you have to wait. He told me u are agent, I said he is my father am not his agent. And I ask him to call branch manager he said lie he is not here.