Guys,
I am 30 now. Had bought LIC Jeevan Saral 4yrs 3months back.

15yr term
2.5 lac sum assured
Paid ₹52,000 till date

If I quit today, will get ₹33,750. Shall I continue or surrender and opt for pure life term product?

I do not have policy other than Employer provided Group health/death insurance coverage up to ₹8 lacs.
Dependants wife and mother. No loan/EMI /Credit Card. Salary 30k pm pune. Rented home.
Planning to buy a flat costing ₹30 lacs.
Any financial suggestions are most welcome.