It might be possible that you fall prey to an insurance claim scam.  It is seen that some fraudulent people by forging documents and with fake representation make claims against your policy but you come to know about it at a later stage.   It is sometimes done with the help of inside people.  The data security and data sale is also a menace.   The truth in such cases, comes only when a person goes to an Insurer to claim its maturity value.  It is seen, generally, people do enquire and do not keep them updated on their insurance policy assets.   You need not to lose heart but need support from a professional organization.  We here try to help you to resolve your grievances using various tools and support mechanisms.  If required, our partnered Law Firm takes up the matter on your behalf at various forums