If you read the product brochure or the illustration, it can be seen that the foreiture clause was documented by the insurance company. Unfortunately, such points are not explained very well by the company or understood by the investor.
Reading investment brouchure well In the current situation, you may not have much choice but to continue investing in this policy until maturity. If you surrender the policy, you may end up being charged a penalty, in this case the first years’ premium will be forfeited. Do be careful while investing in future.