icici pru life time super foreclosure?

dear sir ,i have one ulip policy from icicipru life time super ,first premium 30000paid on 21.07.2006 and second premium also paid in 2007.but i am unable to pay third premium.A leter received from insurer your policy was foreclosed .ur current nav amount 77800.as per the norms 60%of the nav amount for forclossing charges.balance 30800 rupees cheque enclosed the letter.the foreclosure was without my knowledge.this is correct?any expert please guide to me.no intimation for foreclosure the [email protected] mobile no 09443104411

Insurance Agents supposed to pay first Premium?

Ok , When i buy a new Insurance Policy, Money Back Policy etc.. the Agent is supposed to pay the first Premium, but iam not sure if they pay the entire first premium or some percentage.If somebody can throw some light on this aspect, would appreciate it.