I am 26 years old, I have taken Lic Policy New Bima Gold for 1 Lakh on october 2007 & jeevan Tarang Policy for 1 Lakh on October 2008. For both policies I am paying 9000 INR per annum. After visit your site, I have decided to go for 30 Lakhs Term Insurance. And I check with the surrender value of the present policies, Hence it’s 40% ( 15,000 INR) lesser than my paid premiums. Closing the current policy will be a Good decision? Can you please suggest me in this issue to keep the lic policy along with Term Insurance or close it now.If to close, tell me how to close?