Dude first of all u need to see which plan u have subscribed to I dont thinku would be paying Rs.52k for a Rs. 1 lacs cover...i think this would be a ULIP with a minimum number of premium paying term say 3,5 years...u can keep the Term plan since it's very cheap and get rid of the ULIP for which u are payin Rs. 52k and getting a cover of Rs. 1 lacs only... please check whther u can surrender the policy... and do so if u can...
