Four years before, I took Kotak Smart Advantage ULIP plan with annual premium of Rs. 27,000. I need money so I approached them to surrender the policy and they asked me for 3% surrendering charges on my fund value. I have paid more than that. Moreover, the fund value is constant since last two years. If I continue the policy for 8 years, then I will be able to save this 3% charge. What will you suggest me to do? Should I continue for 8 years or surrender it now?