Hi  i am prashant rane agent of  cbu 3 mumbai  oriental isssue first circular for delay renewal till 15 May but so many client misunderstanding due to our pm addresing trough social media regarding any EMI and  Insurance Premium  regarding bnak and insurance company give permission to pay upto 3 month thats why more people not paid there premium in time and more people have no salary or sufficiant fund in this period so what is advisory or circular for this people who was nor pay premium on time