My age is 63. I have Hdfc policy of UNIT LINKED PENSION Started in Jan-2008.Maturity on Jan 2018.Premium is Rs.2000/month. Second is Bajaj allianz policy of UNIT GAIN PLUS GOLD SIZE TWO. Started in Feb-2008. Maturity Jan-2021.Premium Rs.30000/year. What should I do with this policies?Surrender?Get it Paid up? Pl. guide.