Sir,

I have Kotak Mahindra money back (UNI-107N003V01) insurance plan (25 yeaars) which was commenced on 2010 at my 36 year age. I am confused to continue this policy. The yearly premium is RS.20,309/- and assured sum is Rs.3,17,536/-. Next year I will get first survival benifit of Rs.47,630/-.

            Previous year, I took pure term policy from SBI Eshield with accidental benefit. This policy has life cover of Rs.30,00,000 + accidental benefit Rs. 30,00,000/- .

Should I surrender kotak money back policy or continue.  Please give your suggestion.