I did a blunder in my financial planning. I opted for LIC’s Jeevan Anand policy for 20 years with Rs. 4 lakhs sum assured. After that I took LIC’s Jeevan Sathi for Rs. 2 lakhs sum assured. I further added to my mistake by taking LIC’s Jeevan Saral for Rs. 5 lakhs sum assured. I don’t see any utility of these policies. Rather I am interested in taking up a term insurance plan. Do I have to surrender all the policies or keep one or two of them?