I have jeevan saral and jeevan anand policy of 3lacs n 2 lacs sum assured.

My premium paying mode is half yearly (13k at one time, 26k yearly). in blogs it is mentioned that after 3 premiums paid u can make the policy paid up or surrender it. Am not clear, in my case when it will be 3 premiums? Half yearly 3 premiums(1.5yrs) or 6 premiums(3 years)? Till now i have paid 4 half yearly premiums. Can i surrender it now and get 30% of the premiums paid??

I was novice to investments when i took these policies. 🙁

~Khushh