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Jeevan Saral policy surrender after 3years premium payment

Hello Sir,

I am having 2 Jeevan saral policy on me (18000 pa) and my spouse’s name (9000 pa) which started on 21/12/2009. So I paid 1st year premium on 21/12/2009, 2nd on 21/12/2010 and 3rd one on 21/12/2011. After 3 year I got to know that this is not good for investment. How much money I will get if surrender this policy now.

Please also tell me whether I will get 80% or 30% money excluding 1st year Premium.

Regards,
Saroj Sahu

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