I have two endowment life insurance policies. Someone offers me a certain amount of it ₹1 lakh for an annual premium of ₹6,039, which I have to pay till 2031. I have already paid 7 premiums. The policy matures in 2040. The other policy gives me definite interest ₹2 lakh and the annual premium is ₹10,602, which I have to pay till 2038. I have paid six premiums for this so far. Should I continue with these policies or surrender them to policies that give better results?
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