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surrending jeevan saral

Dear Sir,

           I have purchase jeevan saral policy in jan 2008 i have paid premium for 5 yrs

(24000/- yearly).Now i m thinking to stop paying premium for the same and i also don’t want the surrender money right now i can still wait for 5 more years , So please guide me if i take or surrender this policy after 5 yrs i.e total 10 yrs in which i have paid premium for 5 yrs and wait for 5 yrs so what amount i will be getting will there be any deduction ?  will i”ll be getting the premium that i have paid for 5yrs atleast or  will there be any deduction …please guide….thanx!

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