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What to do with my SBI Unit plus II regular

Hi

We hav Sbi Unit plus II regular taken in 2008, term is 20yrs . Agent told after 5 yrs we can stop paying the premium or continue. This is the 6th yr. we have changed from equity to equity optimizer. Suggest me whether to continue this by paying premium or just stop paying and wait till 20 yrs or take back the amount and invest in FD or Postal Monthly Income Schemes. Plz do suggest.

thank you

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