I have bank account in one surname but my icici prulife insurance cover is in?

-in second name which is my family surname.I want to surrender my policy and the cheques shall be issued to me in the second name on which name i dont have bank account.ICICIprulife does not want to change the surname in policy.Can anybody guide me ?There are three ways to deal with this situation

1- Add the surname in bank account as appearing in insurance policy. Take the cheque from ICICI and deposit the same in account.

2- Open a new account in the name as appearing in insurance policy and then deposit the cheque in ICICI bank account.

3- Obtain cheque as it is and deposit cheque in your existing account with affidevit that both name are same and belong to account holder and you are responsible if any misdeed found in future.
you have two things to handle with either you open a new account or just go on with it