After reading your blogs, I came to know that I should have Health Plan and Term Plan first. And then Invest money in MF (through SIP) or PPF. But now I want to correct all my past mistakes. so I want to surrender my policy with minimum loss.
I have read answers in
http://localhost/jagoforum2/want-to-surrender-lic-jeevan-saral-policy/3404/ link.
In that you told that after 5 year One can get back their money but I can\’t get it that all money or they cut some penalty.
I have taken Jeevan saral policy in Aug 2009 and pay 3000 quarterly so now when should I surrender my policy to get money without penalty.