ICICI not closing term life account online
So I want to surrender/close my iProtect smart term plan. The support team there mentioned that term plans can't be surrendered. I'm required to not pay my premiums to mark the policy as lapsed. Now they have an auto-debit enabled on my CC. When I asked them to disable this they cited some "existing security guidelines for their policyholders considering the sensitivity of the data" and mentioned that I'm required to visit their branch office to disable the auto-debit on my CC, which they also know is not possible provided the covid-19 lockdowns and all.
When everything can be processed online, from policy issuance to claim application, this simply looks like an activity to get me hooked as long as possible.
This seems unethical & crooked to me, what are my available options?