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Advice on Discontinuing or making policies as PAID UP ?

I am thinking to discontinue or convert to paid-up plan and planing to take term insurance

Please advice. Below are the policies all from LIC

Money back 20 year –started on june 2002
Marriage endow/edu annuity – 16 year started on march 2008
New Bhhima gold 16 yr, started on mar 2008
Komal jeevan 25 yr- pymt term -17 yr – started on Jan 2010

 

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