Cheque towards payment of LIC policy fraudulently encashed by other

I am having “Jeeven Sneha” policy of LIC of India. There is a provision in the policy terms that if money back amount, which is payable at intervals of every five years, is not taken by the policy holder, the same is retained with LIC and can be paid anytime during or at the end of policy term with annual compounding interest of 11%. I was not interested to get the money back amount as I was assured of getting 11% compounding interest on the amount which is retained. In May this year I approached the LIC Hazaribagh Branch Office to get that money back amount as I was in urgent need of money but was highly disappointed to know that two numbers of money back cheques were already issued in the year 2006 and 2012 respectively and handed over to another person instead of me and these cheques were already encashed (perhaps by opening a fictitious bank account in the same name of Policy holder). Hence, I may kindly be advised for the legal course of actions to be taken in this regard.