cheyuta

I bought the above policy three years back and have two more years to go. Am a senior citizen. Was told by adviser at the time of taking policy that the return would atleast be 8 %. Till date I deposited Rs. 40,000/- I am surprised that my balance as on date is only Rs. 39,000/- or so. Due to my age I was not allowed to take life cover which is an add-on.

Should I hold on to the policy till the end? If I surrender the policy, how much will I get? Which is a better decision?

Thanks in advance for the help.

From the pitfalls you experienced, what have you learnt and applied to avoid such pitfalls in future? Are there any axioms which 1. husbands 2. wives can follow right from the begining so that their marriage will last until death of a spouse in reasonably happy peaceful and harmonius relationship?Let your answers cover every stage (eg honeymoon, early settlement, period of adjustment, begetting a child, division of labour, settling children, theit education, growing old gracefully) and every conceivable situation ( joys, sorrows, shifting to a new house or city, in-law problems, finance division) of married life. Answer whereever you found that the solution you arrived at can equally be applied to all the marriages.