Hi
I came to know about this forum while researching for jeevan saral policy
First of all thanks for creating a forum like this. Coming to me , I am 25 years old who I guess like quite a few people took jeevan saral policy 3 years back and now feeling sorry for it 
I want to surrender now as you all know its a very bad policy. Now that I want to surrender , I have researched a bit and came to know that wil not get what I payed also after 3 years
I need suggestion Please . I am not expecting much , just want the money I paid atleast i.e 48040 per annum
if I continue for 5 years i heard i will get 100% back , is that true or how much will i get back? if so i am willing to continue fr 2 more years as i will get back my 100%. Please suggest the best option also if my options are bad. please suggest if its better to surrender now only