IDBI Federal Wealthsurance Foundation Plan - should I continue or surrender?

[Sonali]

I have taken “IDBI Federal Wealthsurance Foundation Plan” on 11/05/2010 for 20 yrs with 50k as premium per year but the sum assured is only Rs. 250000 and more than 3000 has been charged as miscellaneous charges.

Please guide me on this, should I continue or surrender.

Thanks,
Sonali

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