Consumer Redressal

I have purchased this policy from hdfc standard life represented by its employee (Kapil Kumar ). He described to me the following about the policy: \"You only need to pay the premium for first 3 years and after that you will have the insurance cover for the next 30 years with FULL SUM insured) i.e :25lacs\". after paying three year premium I was told that the premium is to be paid till 30 years else the sum insured shall be reduced to 2.5 lacs only. I also tried to get the policy information through the customer care and the HDFC life branches as well but I haven\'t got any satisfactory information till date. So I feel misguided by HDFC standard life employee at the time of purchase of the policy and now I am completely confused about my policy . please direct the insurance company to either restore the sum insured at Rs. 25 Lac or refund my full money with 12% interest. Also requesting to take penal action for such misselling practice of HDFC life