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Ulip & Endowment!!!!

Policy No. Policy Name Premium Term Premium Paid
1 12910492 HDFC Unit Lined Youngstar Champion Policy Schedule Rs.25,000 15 Years 3 Years
2 12910617 HDFC Unit Linked Youngstar II Policy Schedule Rs.25,000 15 Years 3 Years
3 12910493 HDFC Unit Linked Youngstar II Polciy Schedule Rs.25,000 15 Years 3 Years
4 12910538 HDFC Unit Linked Youngstar II Polciy Schedule Rs.25,000 15 Years 3 Years
5 12739487 HDFC Childrens Double Benefit Plan Rs.25,000 10 Years 3 Years
6 12854640 HDFC Personal Pension Plan Regular Premium Rs.25,000 10 Years 3 Years
7 12726492 HDFC Endowment Assurance Policy Rs.25,000 10 Years 3 Years
8 12661176 HDFC Endowment Assurance Policy Rs.50,000 10 Years 3 Years
9 12644214 HDFC Endowment Assurance Policy Rs.25,000 10 Years 3 Years
10 12660420 HDFC Personal Pension Plan Regular Premium Rs.50,000 10 Years 3 Years
Now HDFC Executive is suggesting me to club all the Ulip and invest in Pro Growth Maximiser which is again a ULIP Plan.
He said there is only one time transfer fee charges i.e 4% and AMC charges.
We can surrender this policy after 3 Years at NAV Rs.15. I read your article on Highest NAV Guaranteed ( New Techniques by Companies to attract customers).
Can i stop paying Endowment and get it converted into paid up???
If i pay premiums for 5 years will i get back money what i have invested???
Kindly help me on this…

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