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lic policy surrender now or wait?

hi all,
i asked a question regarding lic endowment policies surrender and got good responses from you with calculators. so i decided to surrender my and spouse’s policies. for that i contacted my agent, he advised me to continue policies for 2-3 yrs more. i have paid 4 premiums till date and getting only 35% as surrender value. if i continue 2-3 yrs more then i will get 70% of what i paid.
little bit confused..
please reply with calculations
thanx

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