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LIC Policy Surrender. Need a suggestion.

Hello Experts,

I have 4 LIC policies 2 endowment, 1 Pension plan, 1 Jeevan Sathi (I know that i was being really stupid investing on them). All will take another 14-20 years to mature. I have already payed around 5,00,000 as premimum and now i want to surrender all of them. I have applied term insurance from bahrati AXA worth 1Cr cover. I checked with LIC and the surrender value is around 3,11,000. So, i am going to lose around 1,90,000. What do you suggest? Shall i surrender them all and invest in something else or just make it paid up? If any other idea also please do suggest. Mine is a classic case of bad investment. Thanks in anticipation.

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