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Jeevan saral surrender

Hi All,

 

I have taken Jeevan saral policy in dec 2008. I want to discontinue this policy as I am opting for term insurance. My doubts are:-

1) Should i surrender this policy now(would be getting around 90% please confirm)

2) Should i surrender after paying 5th installment which is due in this dec(will be getting 100% please confirm)

3) or not pay installment and make it paid up policy as suggested by agent(not sure of benefit)

Thanks,

Dipesh

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