Please review my insurance portfolio and suggest any changes?

[Madhura]

I am Luv, 28 Years old.
I have 2 LIC Plans as below -
1. Jeevan saral - Rs 15312 inversting in every 3 months.
2. Samrridhi Plus - Rs 15000 Rs - Yearly

Salary - 40,000 Rs per month

Please review my portfolio and suggest any changes.

First buy term insurance plan. Check here (http://www.policywala.com/lincalculator.php)- how much life insurance you need?

Then surrender both your insurance policies.