Complaint against Kotak Mahindra Life Insurance

Location/place: Delhi

Name of company/service: Kotak Mahindra Life Insurance.

Dear Sir,
Complaint against Kotak Mahindra Life Insurance who cheated me.
I have taken a policy of Kotak Mahindra Life insurance of Rs. 30000 per year (Policy no. 02070010 – dtd. 30.07.2010). I have paid 2 premiums in that policy. i.e Rs. 60000/-.
Plan was very simple which their Executive has explained me. He came with a Excel sheet chart and more benefit in that.
But a call came from their side for verification after 2 yrs. of the policy. If executive promised anything then we have not provide you.
My Rs. 60000/- stuck in company and company totally denying that you have to read first terms and condition. Company gives you 15 days free look period. But I apologize for that I was busy in my work but Company is totally denying.
I am very poor person and do not know about the terms and conditions. This is happened with me first time.
My question is that most of the benefits and promise in verbally and why do not tell in verbally about terms and conditions? Why not agent tells about surrender charges which deduct from premium? Why a verification call not came within 15 days?
This is the company policy to trap client and do not verify till 2 yrs.

I am not interested to pay further premium. Please Help Me.

Please give me some way for my money that How can I get money from Company.

Thanking you.

DILIP KUMAR