false information regarding policy

Location/place: narnaul

Name of company/service: kotak life insurance

sir,
i would like to draw your attention towards unit linked plan of kotak life insurance.my plan is smart advantage plan & policy no is-01824285.i was told that my policy is of 3 yrs duration and after that i can withdraw all the amount without any deductions.but now they are telling me that your plan is for 15 yrs and 36000 rs (first yr deposit money)will not count &4% will be deducted from the amount deposited after 3 yrs of completion of policy.sir kindly do the needful.


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