Now a days ICICI,Newyork,Viva like life insurance companies are comming up. To show more and more business is?

Now a days ICICi,Newyork,Viva like life insurance companies are comming up. To show more and more business is with companies gives promissess to indus the customes. If the promisses could not came true within suggestiv period to whom one shold contact to get it resolve ? Please guide. Companies do not bother to give refund as the job is done to show max business in certain period.