I have taken 5 LIC policies details as below:

Policy  – Insured amount – Opened on  – Yearly premium – Maturity date – Taken for

1) New Bima Gold – 1 lakh – 13-05-2009 – Rs 8802 – 13-05-2021 – self

2) Jeevan saral – 1.25 lakh – 27-09-2007 – Rs 6005 – withdrawal after 10 years – younger son

3) Jeevan bharti 1 – 1.0 lakh – 23-10-2009 – Rs 8035 – 23-10-2024 – wife

4) Jeevan Saral – 2.50 laks – 27-03-2010 – Rs 1021 monthly – after 10 years withdrawal – self

5) Wealth PLus – 1.25 lakh – 27-03-2010 – 25000 deposited for 1st 3 years – 27-03-2018 –  remaining years without premium

I need money so i want to know is it worth to cancel all these policies with respect to their refunded value. How much refund i will get from these policies ? I heard of term insurance, so will take it for insurance purpose.