Hello !!

I have 3 LIC polices of endowment , Money Back and Child policies. Now I have decided to stop paying those premiums. However I am confused to make the premium PAID-UP or SURRENDER. I will provide the each policy details below, Please suggest which one is better.

Endowment :- So far I have paid for 10 years and total paid is around 270K.  So far the 190K bonus is accumulated (This info is as per LIC website). If I surrender the policy now, only 30% of total premiums paid is given back. How about the bonus accumulated sofar? Will it be paid back to me during the surrender time? If bonus also paid fully, Total return value will be around 250K.

Child Policy :- For Child policy so far I have paid 190K and risk is not yet commenced. As per policy, 90% of premiums paid except the first will be paid if I surrender. So around 120K will paid if I surrender.

Money-back:- So far I have paid for 5 years premiums and total amount is 150K. Next year I will getting 100K as first payback. And also there is bonus accumulated of 36K. If I make the policy surrender, will I get that bonus back?

And is there any customercare number that I can check by calling ?

Thanks

Lakshmaiah