ICICI Life Time Gold policy : advice needed - surrender or continue?

[Manas]

I have a ICICI Life Time Gold policy and I am investing in it's Rich fund option. The yearly premium I am paying is Rs. 65,000 and I have already paid 6 premiums until now. The returns as of now are almost negligible. What is your advice if to surrender or continue?

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[Matrix]

ICICI Life Time Gold Policy has given very less return = just 4.98% in last one year.

This is less then the saving bank interest rate.