How do I terminate my insurance policies?

[Investorboy]

I am Software Engineer. I have bought life insurance ULIP policies from LIC, Birla Sun Life and ICICI Pru. Last few years I am paying premium to these policies. I have checked the NAV of my above policies, but I am not getting much return on them, so I am looking to terminate all of them. Could you please let me know - How do I terminate my insurance policies?

Do you want to surrender the above policy or simply terminate them? If you want to surrender them than you will get surrender value only when you have paid 3 years premium on the policy.