Reliance Nippon Life Insurance Company
Reviews and Complaints

D / sir
Iwas informed by neha sharma asstt. Of her hod dindayal sharma of finance department located at b84 gomti towers nehru palace ncr n. Delhi mob. No. [protected] that my fund value is 2. 83lacs against 1. 49lac (By relianceco.) and it can be settled by him provided 40, 000is deposited in unit growths through neft in hdfc a / c no. Given by him, it was done with good faithhe processed myfile. After few days told to investrs. Threelacs on different dates2 show transaction for saving i. Tax. 2more lacs were also deposited on differnt dates in ns unit value card pvt. Ltd. In the a / c no of icicibank vide neft. If desired full details can be provided on demand. To sum up i have invested around 5lacs so far to get backmy hard earnedmoney. . . It seems to be a fraud proceedings so irequest ur goodself 2look in this for giving me a justice by refunding fund value. Thankin u in anticipation.
Gopal nigam vadodara

Some people working in insurance market for reliance life insurance company to get reliance fixed savings policy with commitment of sum assured rs 5. 00 lacs to be payable annual rs 50000 / - for 10 year and on maturity after 15 years will get rs 8. 50 lacs. But on receipt of policy actual maturity value is is rs 580045 / - only.

Against this policy they commit to get process loan from aditya birla finance rs 5. 00 lacs interest @ 4. 90% pa reducible and this loan of rs 5. 00 lacs will be disbursed immediately on receiving of original policy documents at your home.

This loan with interest will be adjusted against the the maturity of policy and balance of maturity value will be payable to you.

They got policy purchased to you after that they never pick your phone or come forward for loan. If pick they change there name as rohan etc. Their numbers are

Rajesh [protected]
Vikram [protected]
Neha [protected]
Rachna [protected]
Their customer care [protected]

Viney [protected]
Kailash [protected]

And reliance life insurance never cancel the policy and refund the money.

Ashok sachdeva
[protected]

To
The reliance life insurance company
Date: 27/06/2014
SUBJECT: REQUEST FOR CANCELLATION OF POLICIES [protected] & [protected] DUE TO FRAUD COMMITTMENT
Respected Sir/Madam,
I A.K.DIVYA D/O V.ASHOK got a call from SARALA BHOJWANI on feb 2014.she told me about a fund of Rs 1, 52000/- releasing against my existing policy [protected] in your company. In order r to release this amount she asked me to take another policy of Rs 40, 000/- as security deposit in the form a policy & she assured me that I will get this amount along with the fund (Total amount- 1, 92, 000/-) back within 3 months once after taking the policy.
The same day I got a call from NEHA ([protected]) ON March 4th 2014 & from MADHU ([protected]) ON 11TH March 2014 respectively. They offered me JEEVAN SURAKSHA PLAN whose validity will be of 3 months. I agreed for this policy. They filled my online application & asked me to send my documents to the following address :
NAZIYA, RELIANCE LIFE INSURANCE
2E, 2ND FLOOR, CAXTPON BUILDING/HOUSE
JHANDEWALAN EXTENSION
NEW DELHI – 110055
I sent the 2 different couriers on 6th & 14th march 2014 respectively. It included the following:
1. My photo, aadhaar card Xerox
2. My Father’s photo, aadhaar card Xerox, pan card Xerox
3. Cheque of Rs 40, 000/- each in favour of RELIANCE LIFE INSURANCE COMPANY
4. Cheque no- 943599 & 943600
5. Pod no for the couriers –H21950404 & H21950405

I got the confirmation call from them after receiving the couriers. They told me that I will receive the bond papers within 15 days. But I didn’t receive. After that I made many calls but sometimes they don’t lift phone, sometimes the say that the courier containing the bond papers came back to their Mumbai head office as they couldn’t find my address.
It has been more than 3 months till now I didn’t receive the bond papers & don’t have any information about the policies. Finally we went to your local branch office at Nashik & made a query. When they disclosed the details I shocked. Every single information provided by them was wrong. The authority was unable to find my policy through my application no. as it was wrong. They tried possible way & finally with the help of cheque numbers they could find the details. They are as follows;-
1. Policy no- [protected] & [protected] (I got from local branch)
2. Plan name- TRADITONAL PLAN (they offered me JEEWAN SURAKSHA PLAN)
3. Duration- 15 yrs (they offered me for 3 months)
4. Payment period- 5 yrs(they mentioned for 1 time)
5. The address for communication provided by me was mentioned wrong. In fact it was on the name of some RAJU THAKUR living in NEW DELHI. The address provided by me was-
Permanent address :-
Q NO-22183, TYPE-II
C/O ORDNANCE FACTORY,
YEDDUMAILARAM
MEDAK-DIST
ANDHRA PRADESH
502205
Finally when I called the agents none of them lifted their phones. Their phone numbers are as follows-
SARALA BHOJWANI- [protected]
NEHA – [protected]
MADHU – [protected]
I wonder how these people appearing as RELIANCE LIC agent/ executives, in front your eyes can cheat people (sorry if it’s a high word ).
Overall I have following issues & need your urgsnt supervision & solution:-
1. I was given wrong application no.s & plan inspite of query made by me before & after purchasing the policies.
2. I didn’t get the bond papers of policies & have no idea where they are
Since when I came to know about the truth I am going through all kinds of anxieties. We are middle class family & couldn’t afford to pay Rs 80, 000 per year for 5 yrs(includes 2 policies 0f Rs 40, 000/- each) .My Father is under depression & because of all these things his health getting affected.
So, I kindly request you to cancel both my policies & refund my money as soon as possible as we are financial crisis.
Finally Please look into the matter because cheaters of Reliance company are playing with the emotions of poor & needy people. This will create negative impact on them about your company.
DETAILS OF POLICY
POLICY NAME – TRADITIONAL PLAN
POLICY NO.S – [protected] & [protected]
POLICY HOLDER – A.K.DIVYA D/O V.ASHOK
CHEQUE NO.S – 943599 & 943600
Thanking You
Yours Faithfully, PRESENT ADDRESS-
A.K.DIVYA TYPE II-A 3044, HAL TOWNSHIP, OJHAR
[protected] NASHIK-DIST
MAHARASHTRA-422207

I have been charged an objectionable amount of 1, 805 INR on cancellation of my policy (of 25, 000 INR) in free-look period. I was told that nominal service charges (approx. 200 INR) will be deducted as cancellation amount, but the refunded amount was only 23, 195 INR. Why are the customers being cheated in this way! I want my remaining amount to be refunded soon.

Hi,
My policy no [protected] awadhesh kumar maurya.
I have recept our policy bond as on 23 july 2012 from blazeflash couriers limited raebareli.. And free look aply same date from reliance life insurance office branch raebareli up. Photo copy of recept our policy bond and couriers atteched with canceletion in your branch. Please confirm if you have received the same. Or confirm in your, s branch. Raebareli. State utter pradesh.

Now, I request you to take immedaite action and give me refund with interest as early as possible.

-with regards,
Awadhesh kumar maurya
Mob no [protected], 9451o93619

My self is Ravindra Shrivastava and I live in Noida and I have one complaint regarding the reliance Cash Flow Plan life insurance policy# [protected] (premium 30, 000 p.A.) Which has been given to me by Avinash Rathoure and Rohit saxsena from the Najafgadh office.

I have taken this policy before 3 months back and these guys promised me that reliance has some gift offer in this policy and the assured gift is 32" Sony LCD tv and 5 members medical insurance(total amount 1 lakh) is absolutely free and Second Year premium 50% Discount.I have taken this policy and my check has been cleared of amount 30, 000 on 25th March 2011 and I have received my policy document on 20th April which is near about after 1 month however I believe I should receive my document within 15-20 days.

Ok receiving document so late is not an issue, now after receiving document when I confirmed from the call center then they told me that this policy is for 22 years however these guys promised me that this is for 5 years.Also till now I have not received any gift which they have promised me and told me that gift is out of stroke from the company.When I went to the nearest branch cp office they confirmed me that they do not any gift plan in this policy.

Now I don't want to continue my policy and want my money back including the promised gift by those agents.

Also just to update you I have spent near about 1000 rs on my call to follow up that agent about my progress of that policy which I also want return back.

Please look in to this issue on priority

below are the contact number of the agents:
1) Avinash Rathoure - [protected]
2) Rohit Sexena - [protected]
3) Anil Arora
4) Anil Malhotra - [protected]
5) Raj Kumar Khurana- [protected]
6) Jagdeep(Who is an employee of Reliance life insurance branch office, Janakpuri, new delhi. He is the man between the branch office and agency)

Agency Name :
• SHM PVT . LTD., Najafgadh, New Delhi
Advisor Code :- [protected]
Advisor Name :- Reliance Life Insurance Tpd

my given Gift Code : RF32T055991

I want to take legal action for this company & guys.
They are not return my money back.

Please revert me as soon as possible..

regards
Ravindra Shrivastava
[protected]
[protected]@gmail.Com

Dear Sir,

I want you informed you that to have a look at how fraud and forgery goes on at reliance life insurance branches. I did book a policy for 5 years term from Karol Bagh, Delhi Branch. But when I received my policy paper I found that the form was completely changed. Even my nominees name is changed information were forged. They changed the term to 10 years and everywhere on the form there.when RIL (Reliance Life Insurance person her Name was name is Uma and her mobile no - is -9718195167she work under RIL Jupiter soft which software is using for the operate this whole company for this insurance and when she called me first time to make my police was too politely and promised many offer life medical facilities and 20 % money back offer on my Police 30000/-IR of the first policy in 45 Days and second day she sent a guy his name was Neeraj Gupta his mobile no is [protected] who came with forum and collected my all documents which is required for make my police My Name is Rajanikant Kumar and my Policy No. : [protected] after that i did not got my policy paper till 20 days than i have called that RIL Toll free no 3 Days i requested to get the Paper because i want to know that about my policy as agreements than after that they sent me but when they sent me it was totally changed i made policy for 5 years and it was changed in 10 years which i am not able to maintained this amt policy till ten years so i have called this girl Uma how it happened i have filled for 5 years policy and i got ten years policy paper i want canceled my policy because i am not able to managed it till 10 years so she said no no sir do not canceled it i am going to revised your policy paper by the company i am going to request for all revised it and push to company to get your offer too and than she keep me waited for get revised my policy paper and i keep calling her but she never responded and i loosed my Policy cancellation period but i apply for that 2 times and been RIL Branch office and NArayan Manzil office there and requested to cancel my police and i backed them that policy paper when i requested to my cancel the policy and i have spoke with Branch Front office Executive too and with Zonal Manager of RIL but they are not responding me with positives they are directly saying i can't cancel the policy sorry so so sir i am requesting to you please kindly register my complain and take the action in this fraud forgery cased which is happening with many people with RIL even its also recently happened with me so i am request to take action against this fraud forgery and please help to us to get back our money ASAP

This is totally unacceptable. I request you to please look into this issue.

I can provide you more information if you need. You can contact me at my Contact No.: +91-[protected]

Thanks and Regads,
Rajanikant Kumar

Hi,

Today, I have received call from your customer care number number 022-[protected] (Mr. Sumit Chothani) He has informed me that this complaint was handled by investigation team and provided resolution that since free look period of 15 days has been over we cannot help you and this is not misselling.

Though, I tried my best efforts to explain him that how your sales manager Ms. Deepika has sold this policy saying I need to wait for 45 days to get fund transfer and it is your responsibility to keep promises made by sales team. He has not convinced and said same information which was explained to me in hard copy letter sent by your department.

I am completely disagree with the provided resolution because Sales Dept is the part of Reliance Life Insurance Group, so you cannot neglect promises made by them. Further, at the time of application of Rlife Insurance Policy I have also submitted cancelled cheque for fund transfer and photocopy of ICICI prudential payment slip to the DSA in Thane Rlife Branch who has collected my application money for taking Rlife Policy.

This is really absurd from Rlife Insurance as they do not take their investigation properly for false policy sell case. You have just searched that '15 days free look period is over' which was not expected. I need you to take part for investigation with the manager (name mentioned below) about what promises that have made while selling this policy.

Sr. Sales Manager Rohan - [protected]
Manager Asha - [protected] and
Sales Manager: Deepika - [protected] / [protected]

Further, your customer care agent Mr. Sumit Chothani is careless about the reputation of Rlife because he said 'If you have taken this policy from DSA we cannot take complaint even if you are not satisfied with the reply' That certainly create image that Rlife Sales Dept and Administration dept are separate entity having no concerns to Customer Complaint.

Now the only resolution is provided to me that 'I need to raise another complaint through hard copy mentioning that I am not happy with the resolution provided with previous Complaint Number: [protected]. This is just wastage of time and money, as you are closing old compliant without satisfcatory resolution and want to raise another complaint for justice.

-With Regards,
Paresh Penkar

--------------------------------------------------------------------------------

ICICI Prudential:
Please check with your India Infoline ( Vikroli Office) who is this sales person having access to both company's database and help me to sort this issue.

-With Regards,
Paresh Penkar

--- On Tue, 17/5/11, paresh penkar wrote:

From: paresh penkar
Subject: Fw: Re: Fw: Refund of Insurance amount with interest ..plz follow up with Mr.Rohan ([protected]) and Ms. Asha ([protected])
To: "RLife customer care"
Date: Tuesday, 17 May, 2011, 5:06 AM

Hi,

Please check this link:

http://www.complaintsboard.com/complaints/ht-media-ltd-hindustan-times-c452197.html

I guess I need to post all these posts to this forum. Please mind it. If I publish all this stuff to such forums, this will definately spoil your company's image.

Awaiting for your prompt reply.

-With Regards,
Paresh Penkar

--- On Tue, 17/5/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..plz follow up with Mr.Rohan ([protected]) and Ms. Asha ([protected])
To: "paresh penkar"
Date: Tuesday, 17 May, 2011, 4:52 AM

Hello Sir,

Recently I had received one printed letter from Reliance Life saying my complaint is satisfactorily resolved about 'MISSELLING'

Please note that this is absolutely wrong to say it is resolved. This complaint is still going on with the status as 'action pending at your end.'

Because though Asha - [protected] and Rohan - [protected] has accepted that this offer was valid and I will get my money by the end of MAY month. Both of them have failed to send me written confirmation through mail regarding this offer and about amount which will be credited to my account by the end of the month.

And nowadays they are not picking up my call. So please follow up with them to check when the funds will be credited to my account.

The most important thing is this complaint is not yet closed till I get my funds back without any deduction and with applicable interest amount for the said period. Or else I will get refund of funds (transfer of funds) for the previous policy with ICICI prudential as explained before.

Please take immediate action and trace these person on my behalf and ask them to send e-mail for confirmation of refund as promised me before.

Sr. Sales Manager Rohan - [protected]
Manager Asha - [protected] and
Sales Manager: Deepika - [protected] / [protected]

-With Regards,
Paresh Penkar
[protected]

- On Fri, 29/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..plz follow up with Mr.Rohan ([protected]) and Ms. Asha ([protected]) and stop follow up with Deepika madam
To: "paresh penkar"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo"
Date: Friday, 29 April, 2011, 5:42 AM

Hi,

I have recieved call from Asha - [protected] and Rohan - [protected] regarding transfer of funds from ICICI Prudential to my A/c .

So request you to stop follow up with Deepika madam as per my earlier mails.

I have spoken to Rohan (Senior manager) about this transfer of funds and he has confirmed that formalities and all documents has been submitted. But need few days to transfer funds into my account as my request is pending in queue.

Now I request you to follow up Mr. Rohan ([protected]) on Monday morning 02 May, 2011 and if busy can call Ms.Asha (mob.no.[protected]) for further processing.

-With Regards,
Paresh Penkar
[protected]

--- On Tue, 26/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..plz find enclosed icici pru docs
To: "RLife customer care"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo"
Date: Tuesday, 26 April, 2011, 8:24 AM

Hi,

Today I have called Deepika mam about this policy. And she has informed me that she has left the job but will arrange someone to solve my issue and get amount blocked in ICICI Prudential.

Now, I have enclosed my scheme document with ICICI Prudential for your reference.

Please forward this document to the suitable person and help me to get my funds lying with ICICI Pru as promised by Deepika mam.

-With Regards,
Paresh Penkar
[protected]

--- On Mon, 25/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..waiting for your call
To: "RLife customer care"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo" , "Self yahoomail"
Date: Monday, 25 April, 2011, 10:26 PM

Hi,

I have received your call on this Sunday, 24 April to inform me about free trial period of 15 days and your incapability to return Rs. 20000 as period is over...and bla bla bla...

Let me tell you very clear your sales manager Ms.Deepika (Now Mobile number [protected]) has promised me that once I take your policy with Rs. 20000, I will get refund of funds lying with you for ICICI prudential. She has informed me that though I made payment to ICICI prudential, my money is invested in Rlife funds hence can be recovered and refunded to me. I have to wait for atleast 45 days after opening new policy with Rlife to get money back from Rlife fund which was invested by ICICI Prudential.

Now when I have waited for so long to get my money back of Rs. 23000 and also invested another Rs.20000 in Rlife, you people are cheting me by showing trial period stuff...So I have informed your customer care officer about all these facts and requested to contact Deepika. She was hesitant to call her in the beginning saying Deepika has left the organization ...but later on she has established contact with Deepika and ask her to contact me. After 10 minutes I have received call from Deepika mam Mobile number [protected]) at 2:07 PM on 24 Apr 2011 saying that she was busy with her personal life for so many days and apologize for not contacted me for so many days. She has also promised to solve the issue and give back my 20000 once she return office on Monday or Tuesday may be on 25th and 26th. So she requested me to wait. Now I have waited till yesterday, and not received any call.

So now this is your team's responsibility to contact her and push her to solve this issue. Either give me my funds lying in ICICI prudential Rs. 23000 or else take this policy back give me my 20000 with interest.

-With Regards,
Paresh Penkar

--- On Thu, 21/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo"
Date: Thursday, 21 April, 2011, 7:35 AM

Why no response from your department..?

--- On Wed, 20/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Date: Wednesday, 20 April, 2011, 3:03 AM

Please Give me update on my complaint...

--- On Tue, 19/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Cc: "Self yahoomail"
Date: Tuesday, 19 April, 2011, 2:52 AM

Hi,

Any update?

--- On Mon, 18/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Date: Monday, 18 April, 2011, 4:27 AM

Hi,

Please give me status of this request. This should not take so many days for investigation. My complaint is crystal clear. Your executive has sold insurance policy by giving me false promise to refund previous funds amount which was showing as per market value of appro.Rs. 23000/-.

So please close this fradulent policy immediately as you have not kept your promise and give me my Rs.20000 back with interest.

Atleast give me Rs. 20000 principle wihout any further delay on urgent basis. I have medical emergency in my family.

Further, let me know the ombudsperson name and contact number and govt authorities contact number and e-mail address to address this issue to the concerned authority. I want to raise a complaint against Reliance Life Insurance as delaying for addressing consumer complaint for False policy sold. I want to escalate this issue to the top authorities of Insurance Depts in India.

-With Regards,
Paresh Penkar
[protected]

Note - Please reply through mails on urgent basis. Phone calls will be entertained only if relevant mail is sent about status for this complaint.

--- On Sun, 3/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Fw: Refund of Insurance amount with interest
To: RLIFE.[protected]@relianceada.com
Cc: "Self yahoomail"
Date: Sunday, 3 April, 2011, 10:49 AM

Courier No. M62116457

----- Forwarded Message ----
From: paresh penkar
To: RLIFE.[protected]@relianceada.com
Cc: Self yahoomail
Sent: Sun, 3 April, 2011 8:16:44 PM
Subject: Refund of Insurance amount with interest

Hi,

I have send hard copy of complaint letter to the address mentioned below through DTDC courier. Please confirm if you have received the same.

Now, I request you to take immedaite action and give me refund with interest as early as possible.

-With Regards,
Paresh Penkar
[protected]

--------------------------------------------------------------------------------
From: "RLIFE.[protected]@relianceada.com"
To: paresh penkar
Sent: Sat, 19 March, 2011 1:24:55 PM
Subject: Re: Fw: Fw: Welcome to Reliance Life Insurance Portal

Dear Mr. Penkar,

Thank you for writing to rlife.[protected]@relianceada.com.

We refer to your e-mail dated 17th March 2011 regarding your policy '[protected]'.

As per our telephonic conversation with you, we believe that your query has been adderssed.

Further, we request you to submit a letter duly authorised by your signature at the nearest Reliance Life Insurance branch office for further processing of your issue.

However, you may also mail the letter at our registered office given below:
Reliance Life Insurance Co Ltd.,
H Block, 1st floor,
Dhirubhai Ambani Knowledge City,
Navi Mumbai, Maharashtra,
400710, India.

For list of branches, log on to our website www.reliancelife.com and click on ‘Branch Locator’.

Assuring you of our best services at all times.

Thank you,

Customer Service
Reliance Life Insurance Co Ltd.

Kindly update your below details in our records to help us serve you better.
(i) E-mail id. (ii) Contact No. (Residence / Office / Mobile), (iii) Mailing Address. You may mail us at ‘Rlife.[protected]@relianceada.com’ or contact us at [protected] or [protected](Toll free number)/, our 24/7 Customer-care center, or login to our website www.reliancelife.com - Lifeline Member Login to get your details updated.

The information provided is based on prevailing terms and conditions of the company, which are subject to change without prior notice.

This electronic message transmission contains information from Reliance Life Insurance Co. Ltd. & is confidential or privileged. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, beware that any disclosure, copy distribution or use of the contents of this information is prohibited. If you have received the electronic transmission in error please notify us immediately.

paresh penkar
17/03/2011 02:49 PM To RLife customer care
cc [protected]@consumergrievance.com
Subject Fw: Fw: Welcome to Reliance Life Insurance Portal

Urgent action is required as I am planning to sue against you in consumer court...

----- Forwarded Message ----
From: paresh penkar
To: RLIFE.[protected]@relianceada.com
Cc: [protected]@consumergrievance.com
Sent: Thu, 17 March, 2011 2:34:40 PM
Subject: Re: Fw: Welcome to Reliance Life Insurance Portal

This is fruad by Rlife.

You have cheated me by showing scheme, you have sold your policy and use my money Rs.20000 for more than 2 months.

Please contact and investigate with your sales manager, Deepika - Mob no. [protected] for this offer.

And for your kind information my mobile number is reachable 24 Hrs. and working since last 6 years. Fortunately this mobile number belongs to your group company R-com..means this is reliance life time number not changed since 6 years.

Please contact on the same number as I do not recieve any miss call from your dept.

REQUEST YOU TO TAKE THIS COMPLAINT SERIOUSLY AND REPLY PROMPTLY. AND YES, IF THERE IS NO SUCH OFFER, THEN PLEASE GIVE BACK MY RS.20000 IMMEDIATELY AS I DO NOT WANT SUCH FRADULENT INSURANCE POLICY.

YOU MAY TAKE THIS MAIL AS CANCELLATION REQUEST AS FRAUD WITH THE CUSTOMER.

-With Regards,
Paresh Penkar
[protected]

***I again request you to first contact your sales manager, Deepika - Mob no. [protected] before calling me.

--------------------------------------------------------------------------------
From: "RLIFE.[protected]@relianceada.com"
To: paresh penkar
Sent: Thu, 17 March, 2011 11:59:19 AM
Subject: Re: Fw: Welcome to Reliance Life Insurance Portal

Dear Mr. Penkar,

Thank you for writing to rlife.[protected]@relianceada.com.

We refer to your e-mail dated 15th March 2011 regarding your policy '[protected]'.

We sincerely apologize for the inconvenience caused to you.

Further, we have made several attempts to contact you at the below mentioned number. However, we failed to reach you.

- [protected].

Kindly provide us the correct contact number or contact us at [protected] or Toll Free No [protected], our 24/7 Customer-care center.

As mentioned in your earlier e-mail, there are no such schemes from Reliance Life Insurance Co., Ltd as quoted by the said tele-caller.

Kindly refer the benefits associated with (Reliance Super Five Plus) mentioned below:

Survival Benefit: On survival at the end of the Premium Paying Term you get the Sum Assured.

Maturity Benefit: On Survival to maturity you get accumulated bonuses.

Life Cover Benefit: Your Beneficiary will get Sum Assured plus accumulated bonuses in case of your unfortunate death at any time during the Policy Term. This Life Cover Benefit continues even after the payout of Sum Assured after Premium Paying Term.

Rider Benefit: You also have the option to add two additional Benefits to customize the Policy as per your needs

A. Reliance Accidental Death Benefit & Total & Permanent Disablement Rider
B. Reliance Critical Conditions Rider

Please refer the product brochure and policy details attached herewith.

Further, if you are dis-satisfied with the terms and conditions of the plan, we request you to submit a letter duly authorised by your signature at the nearest Reliance Life Insurance branch office for further processing of your issue.

You may also mail the letter at our registered office given below:
Reliance Life Insurance Co Ltd.,
H Block, 1st floor,
Dhirubhai Ambani Knowledge City,
Navi Mumbai, Maharashtra,
400710, India.

For list of branches, log on to our website www.reliancelife.com and click on ‘Branch Locator’.

Assuring you of our best services at all times.

Thank you,

Customer Service
Reliance Life Insurance Co Ltd.

Kindly update your below details in our records to help us serve you better.
(i) E-mail id. (ii) Contact No. (Residence / Office / Mobile), (iii) Mailing Address. You may mail us at ‘Rlife.[protected]@relianceada.com’ or contact us at [protected] or [protected](Toll free number)/, our 24/7 Customer-care center, or login to our website www.reliancelife.com - Lifeline Member Login to get your details updated.

Hi,

Today, I have received call from your customer care number number 022-[protected] (Mr. Sumit Chothani) He has informed me that this complaint was handled by investigation team and provided resolution that since free look period of 15 days has been over we cannot help you and this is not misselling.

Though, I tried my best efforts to explain him that how your sales manager Ms. Deepika has sold this policy saying I need to wait for 45 days to get fund transfer and it is your responsibility to keep promises made by sales team. He has not convinced and said same information which was explained to me in hard copy letter sent by your department.

I am completely disagree with the provided resolution because Sales Dept is the part of Reliance Life Insurance Group, so you cannot neglect promises made by them. Further, at the time of application of Rlife Insurance Policy I have also submitted cancelled cheque for fund transfer and photocopy of ICICI prudential payment slip to the DSA in Thane Rlife Branch who has collected my application money for taking Rlife Policy.

This is really absurd from Rlife Insurance as they do not take their investigation properly for false policy sell case. You have just searched that '15 days free look period is over' which was not expected. I need you to take part for investigation with the manager (name mentioned below) about what promises that have made while selling this policy.

Sr. Sales Manager Rohan - [protected]
Manager Asha - [protected] and
Sales Manager: Deepika - [protected] / [protected]

Further, your customer care agent Mr. Sumit Chothani is careless about the reputation of Rlife because he said 'If you have taken this policy from DSA we cannot take complaint even if you are not satisfied with the reply' That certainly create image that Rlife Sales Dept and Administration dept are separate entity having no concerns to Customer Complaint.

Now the only resolution is provided to me that 'I need to raise another complaint through hard copy mentioning that I am not happy with the resolution provided with previous Complaint Number: [protected]. This is just wastage of time and money, as you are closing old compliant without satisfcatory resolution and want to raise another complaint for justice.

-With Regards,
Paresh Penkar

--------------------------------------------------------------------------------

ICICI Prudential:
Please check with your India Infoline ( Vikroli Office) who is this sales person having access to both company's database and help me to sort this issue.

-With Regards,
Paresh Penkar

--- On Tue, 17/5/11, paresh penkar wrote:

From: paresh penkar
Subject: Fw: Re: Fw: Refund of Insurance amount with interest ..plz follow up with Mr.Rohan ([protected]) and Ms. Asha ([protected])
To: "RLife customer care"
Date: Tuesday, 17 May, 2011, 5:06 AM

Hi,

Please check this link:

http://www.complaintsboard.com/complaints/ht-media-ltd-hindustan-times-c452197.html

I guess I need to post all these posts to this forum. Please mind it. If I publish all this stuff to such forums, this will definately spoil your company's image.

Awaiting for your prompt reply.

-With Regards,
Paresh Penkar

--- On Tue, 17/5/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..plz follow up with Mr.Rohan ([protected]) and Ms. Asha ([protected])
To: "paresh penkar"
Date: Tuesday, 17 May, 2011, 4:52 AM

Hello Sir,

Recently I had received one printed letter from Reliance Life saying my complaint is satisfactorily resolved about 'MISSELLING'

Please note that this is absolutely wrong to say it is resolved. This complaint is still going on with the status as 'action pending at your end.'

Because though Asha - [protected] and Rohan - [protected] has accepted that this offer was valid and I will get my money by the end of MAY month. Both of them have failed to send me written confirmation through mail regarding this offer and about amount which will be credited to my account by the end of the month.

And nowadays they are not picking up my call. So please follow up with them to check when the funds will be credited to my account.

The most important thing is this complaint is not yet closed till I get my funds back without any deduction and with applicable interest amount for the said period. Or else I will get refund of funds (transfer of funds) for the previous policy with ICICI prudential as explained before.

Please take immediate action and trace these person on my behalf and ask them to send e-mail for confirmation of refund as promised me before.

Sr. Sales Manager Rohan - [protected]
Manager Asha - [protected] and
Sales Manager: Deepika - [protected] / [protected]

-With Regards,
Paresh Penkar
[protected]

- On Fri, 29/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..plz follow up with Mr.Rohan ([protected]) and Ms. Asha ([protected]) and stop follow up with Deepika madam
To: "paresh penkar"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo"
Date: Friday, 29 April, 2011, 5:42 AM

Hi,

I have recieved call from Asha - [protected] and Rohan - [protected] regarding transfer of funds from ICICI Prudential to my A/c .

So request you to stop follow up with Deepika madam as per my earlier mails.

I have spoken to Rohan (Senior manager) about this transfer of funds and he has confirmed that formalities and all documents has been submitted. But need few days to transfer funds into my account as my request is pending in queue.

Now I request you to follow up Mr. Rohan ([protected]) on Monday morning 02 May, 2011 and if busy can call Ms.Asha (mob.no.[protected]) for further processing.

-With Regards,
Paresh Penkar
[protected]

--- On Tue, 26/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..plz find enclosed icici pru docs
To: "RLife customer care"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo"
Date: Tuesday, 26 April, 2011, 8:24 AM

Hi,

Today I have called Deepika mam about this policy. And she has informed me that she has left the job but will arrange someone to solve my issue and get amount blocked in ICICI Prudential.

Now, I have enclosed my scheme document with ICICI Prudential for your reference.

Please forward this document to the suitable person and help me to get my funds lying with ICICI Pru as promised by Deepika mam.

-With Regards,
Paresh Penkar
[protected]

--- On Mon, 25/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest ..waiting for your call
To: "RLife customer care"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo" , "Self yahoomail"
Date: Monday, 25 April, 2011, 10:26 PM

Hi,

I have received your call on this Sunday, 24 April to inform me about free trial period of 15 days and your incapability to return Rs. 20000 as period is over...and bla bla bla...

Let me tell you very clear your sales manager Ms.Deepika (Now Mobile number [protected]) has promised me that once I take your policy with Rs. 20000, I will get refund of funds lying with you for ICICI prudential. She has informed me that though I made payment to ICICI prudential, my money is invested in Rlife funds hence can be recovered and refunded to me. I have to wait for atleast 45 days after opening new policy with Rlife to get money back from Rlife fund which was invested by ICICI Prudential.

Now when I have waited for so long to get my money back of Rs. 23000 and also invested another Rs.20000 in Rlife, you people are cheting me by showing trial period stuff...So I have informed your customer care officer about all these facts and requested to contact Deepika. She was hesitant to call her in the beginning saying Deepika has left the organization ...but later on she has established contact with Deepika and ask her to contact me. After 10 minutes I have received call from Deepika mam Mobile number [protected]) at 2:07 PM on 24 Apr 2011 saying that she was busy with her personal life for so many days and apologize for not contacted me for so many days. She has also promised to solve the issue and give back my 20000 once she return office on Monday or Tuesday may be on 25th and 26th. So she requested me to wait. Now I have waited till yesterday, and not received any call.

So now this is your team's responsibility to contact her and push her to solve this issue. Either give me my funds lying in ICICI prudential Rs. 23000 or else take this policy back give me my 20000 with interest.

-With Regards,
Paresh Penkar

--- On Thu, 21/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Cc: "YogeshThakur gmail" , "YogeshThakur yahoo"
Date: Thursday, 21 April, 2011, 7:35 AM

Why no response from your department..?

--- On Wed, 20/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Date: Wednesday, 20 April, 2011, 3:03 AM

Please Give me update on my complaint...

--- On Tue, 19/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Re: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Cc: "Self yahoomail"
Date: Tuesday, 19 April, 2011, 2:52 AM

Hi,

Any update?

--- On Mon, 18/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Fw: Refund of Insurance amount with interest
To: "RLife customer care"
Date: Monday, 18 April, 2011, 4:27 AM

Hi,

Please give me status of this request. This should not take so many days for investigation. My complaint is crystal clear. Your executive has sold insurance policy by giving me false promise to refund previous funds amount which was showing as per market value of appro.Rs. 23000/-.

So please close this fradulent policy immediately as you have not kept your promise and give me my Rs.20000 back with interest.

Atleast give me Rs. 20000 principle wihout any further delay on urgent basis. I have medical emergency in my family.

Further, let me know the ombudsperson name and contact number and govt authorities contact number and e-mail address to address this issue to the concerned authority. I want to raise a complaint against Reliance Life Insurance as delaying for addressing consumer complaint for False policy sold. I want to escalate this issue to the top authorities of Insurance Depts in India.

-With Regards,
Paresh Penkar
[protected]

Note - Please reply through mails on urgent basis. Phone calls will be entertained only if relevant mail is sent about status for this complaint.

--- On Sun, 3/4/11, paresh penkar wrote:

From: paresh penkar
Subject: Fw: Refund of Insurance amount with interest
To: RLIFE.[protected]@relianceada.com
Cc: "Self yahoomail"
Date: Sunday, 3 April, 2011, 10:49 AM

Courier No. M62116457

----- Forwarded Message ----
From: paresh penkar
To: RLIFE.[protected]@relianceada.com
Cc: Self yahoomail
Sent: Sun, 3 April, 2011 8:16:44 PM
Subject: Refund of Insurance amount with interest

Hi,

I have send hard copy of complaint letter to the address mentioned below through DTDC courier. Please confirm if you have received the same.

Now, I request you to take immedaite action and give me refund with interest as early as possible.

-With Regards,
Paresh Penkar
[protected]

--------------------------------------------------------------------------------
From: "RLIFE.[protected]@relianceada.com"
To: paresh penkar
Sent: Sat, 19 March, 2011 1:24:55 PM
Subject: Re: Fw: Fw: Welcome to Reliance Life Insurance Portal

Dear Mr. Penkar,

Thank you for writing to rlife.[protected]@relianceada.com.

We refer to your e-mail dated 17th March 2011 regarding your policy '[protected]'.

As per our telephonic conversation with you, we believe that your query has been adderssed.

Further, we request you to submit a letter duly authorised by your signature at the nearest Reliance Life Insurance branch office for further processing of your issue.

However, you may also mail the letter at our registered office given below:
Reliance Life Insurance Co Ltd.,
H Block, 1st floor,
Dhirubhai Ambani Knowledge City,
Navi Mumbai, Maharashtra,
400710, India.

For list of branches, log on to our website www.reliancelife.com and click on ‘Branch Locator’.

Assuring you of our best services at all times.

Thank you,

Customer Service
Reliance Life Insurance Co Ltd.

Kindly update your below details in our records to help us serve you better.
(i) E-mail id. (ii) Contact No. (Residence / Office / Mobile), (iii) Mailing Address. You may mail us at ‘Rlife.[protected]@relianceada.com’ or contact us at [protected] or [protected](Toll free number)/, our 24/7 Customer-care center, or login to our website www.reliancelife.com - Lifeline Member Login to get your details updated.

The information provided is based on prevailing terms and conditions of the company, which are subject to change without prior notice.

This electronic message transmission contains information from Reliance Life Insurance Co. Ltd. & is confidential or privileged. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, beware that any disclosure, copy distribution or use of the contents of this information is prohibited. If you have received the electronic transmission in error please notify us immediately.

paresh penkar
17/03/2011 02:49 PM To RLife customer care
cc [protected]@consumergrievance.com
Subject Fw: Fw: Welcome to Reliance Life Insurance Portal

Urgent action is required as I am planning to sue against you in consumer court...

----- Forwarded Message ----
From: paresh penkar
To: RLIFE.[protected]@relianceada.com
Cc: [protected]@consumergrievance.com
Sent: Thu, 17 March, 2011 2:34:40 PM
Subject: Re: Fw: Welcome to Reliance Life Insurance Portal

This is fruad by Rlife.

You have cheated me by showing scheme, you have sold your policy and use my money Rs.20000 for more than 2 months.

Please contact and investigate with your sales manager, Deepika - Mob no. [protected] for this offer.

And for your kind information my mobile number is reachable 24 Hrs. and working since last 6 years. Fortunately this mobile number belongs to your group company R-com..means this is reliance life time number not changed since 6 years.

Please contact on the same number as I do not recieve any miss call from your dept.

REQUEST YOU TO TAKE THIS COMPLAINT SERIOUSLY AND REPLY PROMPTLY. AND YES, IF THERE IS NO SUCH OFFER, THEN PLEASE GIVE BACK MY RS.20000 IMMEDIATELY AS I DO NOT WANT SUCH FRADULENT INSURANCE POLICY.

YOU MAY TAKE THIS MAIL AS CANCELLATION REQUEST AS FRAUD WITH THE CUSTOMER.

-With Regards,
Paresh Penkar
[protected]

***I again request you to first contact your sales manager, Deepika - Mob no. [protected] before calling me.

--------------------------------------------------------------------------------
From: "RLIFE.[protected]@relianceada.com"
To: paresh penkar
Sent: Thu, 17 March, 2011 11:59:19 AM
Subject: Re: Fw: Welcome to Reliance Life Insurance Portal

Dear Mr. Penkar,

Thank you for writing to rlife.[protected]@relianceada.com.

We refer to your e-mail dated 15th March 2011 regarding your policy '[protected]'.

We sincerely apologize for the inconvenience caused to you.

Further, we have made several attempts to contact you at the below mentioned number. However, we failed to reach you.

- [protected].

Kindly provide us the correct contact number or contact us at [protected] or Toll Free No [protected], our 24/7 Customer-care center.

As mentioned in your earlier e-mail, there are no such schemes from Reliance Life Insurance Co., Ltd as quoted by the said tele-caller.

Kindly refer the benefits associated with (Reliance Super Five Plus) mentioned below:

Survival Benefit: On survival at the end of the Premium Paying Term you get the Sum Assured.

Maturity Benefit: On Survival to maturity you get accumulated bonuses.

Life Cover Benefit: Your Beneficiary will get Sum Assured plus accumulated bonuses in case of your unfortunate death at any time during the Policy Term. This Life Cover Benefit continues even after the payout of Sum Assured after Premium Paying Term.

Rider Benefit: You also have the option to add two additional Benefits to customize the Policy as per your needs

A. Reliance Accidental Death Benefit & Total & Permanent Disablement Rider
B. Reliance Critical Conditions Rider

Please refer the product brochure and policy details attached herewith.

Further, if you are dis-satisfied with the terms and conditions of the plan, we request you to submit a letter duly authorised by your signature at the nearest Reliance Life Insurance branch office for further processing of your issue.

You may also mail the letter at our registered office given below:
Reliance Life Insurance Co Ltd.,
H Block, 1st floor,
Dhirubhai Ambani Knowledge City,
Navi Mumbai, Maharashtra,
400710, India.

For list of branches, log on to our website www.reliancelife.com and click on ‘Branch Locator’.

Assuring you of our best services at all times.

Thank you,

Customer Service
Reliance Life Insurance Co Ltd.

Kindly update your below details in our records to help us serve you better.
(i) E-mail id. (ii) Contact No. (Residence / Office / Mobile), (iii) Mailing Address. You may mail us at ‘Rlife.[protected]@relianceada.com’ or contact us at [protected] or [protected](Toll free number)/, our 24/7 Customer-care center, or login to our website www.reliancelife.com - Lifeline Member Login to get your details updated.

The information provided is based on prevailing terms and conditions of the company, which are subject to change without prior notice.

This electronic message transmission contains information from Reliance Life Insurance Co. Ltd. & is confidential or privileged. The information is intended to be for the use of the individual or entity named above. If you are not the intended recipient, beware that any disclosure, copy distribution or use of the contents of this information is prohibited. If you have received the electronic transmission in error please notify us immediately.

paresh penkar
03/15/2011 08:39 AM
To rlife.[protected]@relianceada.com
cc Self yahoomail
Subject Fw: Welcome to Reliance Life Insurance Portal

Hi,

Please check and reply on the below complaint..I guess now 45 days mandatory period has been over. So please credit my fund in Rlife on urgent basis.

-With Regards,
Paresh Penkar
[protected]

----- Forwarded Message ----
From: paresh penkar
To: [protected]@reliancelife.co.in
Cc: Self yahoomail
Sent: Tue, 8 March, 2011 3:08:33 PM
Subject: Re: Welcome to Reliance Life Insurance Portal

Hi,

I feel like I am cheated by your sales manager, Deepika - Mob no. [protected]

Because she I has offered me this insurance policy saying that my funds lying with ICICI Prudentail appx. Rs. 23000/- will be released and transferred to my account when I pay another Rs. 20000 annual premium for Rlife Insurance premium.

But till this date, though I repeatedly request her to send me confirmation mail for such offer, I do not get any mail and not even my amount lying in Relince funds about Rs, .23000 as confirmed by Ms. Deepika.

So please investigate into this matter and reply me urgently. All details already provided to Deepika mam to transfer funds to the account.

I am not able to call on the above mentioned mobile number as getting not reachable.

Now, either give me funds lying in Rlife funds or else take back this policy immediately.

-With Regards,
Paresh Penkar
[protected]

--------------------------------------------------------------------------------
From: "[protected]@reliancelife.co.in"
To: [protected]@yahoo.com
Sent: Thu, 3 February, 2011 2:01:44 PM
Subject: Welcome to Reliance Life Insurance Portal

Dear PARESH GOPAL PENKAR

Welcome to Reliance Life Insurance Company Ltd, you can login into our Reliance Life Portal and view your personal information /Policy Details. To activate your user ID login to the below URL and complete the Registration process.

URL : http://www.reliancelife.com

Choose Member Area -> Customer

User ID : [protected]
Password : $#[protected]@q

For any clarification in your profile details/Contract details get in touch with Reliance Life - Call Centre.

Warm regards
Reliance Life Insurance Company Ltd

The information contained in this e-mail message is intended only for the use of the individual or entity to which it is addressed. If you are not the intended recipient, you should return it to the sender immediately. Please note that while we scan all e-mails for viruses we cannot guarantee that any e-mail is virus-free and accept no liability for any damage caused by any virus transmitted by this email.

The information contained in this e-mail message is intended only for the use of the individual or entity to which it is addressed. If you are not the intended recipient, you should return it to the sender immediately. Please note that while we scan all e-mails for viruses we cannot guarantee that any e-mail is virus-free and accept no liability for any damage caused by any virus transmitted by this email.

I took an insurance policy from reliance life in April'2010. It was told to me that this is an insurance policy on which you will get a fixed rate of interest and 50% bonus amount after every 5 years. My policy number is [protected]. They sent me all the documents and Bond after 15 days so that i wont be able to withdraw the policy. I paid 12000/rs as a part of my premium and now it is showing the value 1994.28/Rs., They have deducted 10005.72/Rs for maintenance for 1st year and will take 5% from 2nd year. I have called up many times at customer care and other places but they have not been responding. They are saying that everything was mentioned in the bond but they gave all the documents to me after 15 days... Reliance is a fraud company.. I don't that how can i get my money back from those cheaters...