I had paid 4 years(10000 x 4) in to Child fortune plus of LIC with 2 Lakh coverage. Now for the last one year  I have`nt paid as its value is always 12-15% less than paid value. Now it shows as reduced Paid up. If I am not paying further what will be the approximate value on maturity also is there any deduction from the sum insured.  Is it  possible to take out it in present value and put somewhere else. 

Biju