Didnt get the Policy docs with in 15Days??

One of my friend has taken an ULIP Insurance plan from a Pvt Insurance Company and the premium was 1lakh/annum.The company's agent told my friend that you can reduce the premium next year without any charge which was not so.To hide their malice intention the agent didnt deliver the policy docs within 15 days of free lookup period.Next year when my friend reduced the premium a huge amount is charged. Many times they switched the fund also without my friend's request by forging the signature of my friend.My friend is continuing the policy by paying the reduced premium. He has given two Premiums(100000+10000=110000)but the fund value is just 26000 due to switching and premium reduction charge.He has written to the company but they denied the allegation and refuse to refund the money. My question is that what is the best ways to recover all the money from the company??Can the agent and Branch manager are booked under IPC??What will be the best step?? Please reply in detail...