Hundreds of innocent villagers in Punjab have found themselves helpless after they realised that their payment of Rs 4,500 in the name of one- time premium for a life insurance cover has gone down the drain and that they could have availed the similar cover with an annual premium of Rs 350.

Spreading a word of caution against the agents of Delhi-based firm, Dauphin Touch Network (DTN), the Inqalab Naujawan Sabha, a social organisation, has brought to light such cases.