hello i m adarsh,36 yr old i m a professional i have jeevan anand policy (2Lk SA -20 yr term ) in my name and in my wife's name i have child career plan (184) in my daughter's name annual premium of all 3 drops down to 31000/-pa my annual income is 4Lk pa now i am realising that this is not a better option i know that if i surrender it i will be under loss my doubt is ..should i continue /stop paying premiums ? how much i will get if i stop paying premiums at maturity ? i heard term plans are better ..should i go for it ? plz advice thanks in advance