I purchased an ICICI Life Stage Assure Pension policy with a premium of Rs 3L and for 15 year term. I live in another country and have another insurance policy with Citi Bank. The ICICI policy was made with an intention of investment and upon some pressure from ICICI. They suggested I can cancel after 3 years and get my premiums back. But befre paying 3rd instalment I realized that I forego 1st instalment if I cancel with 3 or 5 years. I am kind like cheated by agents. I need some advice how to save or recover my 1st instalment if I cancel after 3 years. Any other valuable suggestions are appreciated...Regards.


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