Following are my Jeevan Saral policies details.

Sr No. Premium Start date Table no. Sum assured Financial year

1 6005 2/6/2009 165-33 1.25 lacs 2009-10
2 6005 2/6/2009 165-33 1.25 lacs 2009-10
3 6005 11/6/2009 165-33 1.25 lacs 2009-10
4 24020 11/6/2009 165-33 5 lacs 2009-10
5 6005 11/6/2009 165-33 1.25 lacs 2009-10
TOTAL Five 48040 165-33 10 lacs 2009-10

I was 37 year old when I took these policies. Please let me know when should I surrender these policies? Or should I continue? I think I may go for online term plan of 50lacs each any company like aviva or aegon. my annual income is 14lacs. please guide me.