I have LIC Jeevan Saral policy with Rs. 60,000 as annual premium. After paying 5th premium, my total contributions amounts to Rs. 3 lakhs. When I called LIC office to know the current value of my policy, I was shocked to hear the amount which was Rs. 2 lakhs only. I need to ask for how I should hold this policy so that I should not incur any loss and should at least get the amount that I have invested.