Sir, I have taken the above plan from 28.02.2011, monthly premium is Rs 4999/- (Annual Premium 60,000/-) for 10 years and the maturity is on 28.02.2041. The insurance coverage is 4.5 lakhs.

My question is that though there is little up in unit price but the cumulative unit fund is far lesser than the money put by me in this fund. It appears that a large fund goes for policy administration charges+ Mortality charges etc… the return not up to the mark. The mistake of investing in this fund was realized by me later.  

I need a sincere advice from you sir………. do I need to wait for a long long maturity date or I should discontinue probably on just completing of 5 years so that discontinuation charges for the same shall be nil? And the based upon the fund value at that time, whatever return I shall be getting, I have to satisfy by that.

Please advice…regards