I had purchased a Birla Sunlife Classic Life Premier policy 7 years back. I had to pay a premium of Rs. 30000 for 5 years after which the policy becomes paid up and there is a life cover of 6L.
As of now, I dont need to pay any more premiums and the value of the policy is around 2L (Rs. 50000 gain). Should I just continue this to enjoy some more returns and a nominal life cover or should I just surrender it and en-cash the money?