I took New Bima Gold Policy of LIC in 2007 for 10 years. I am paying half yearly premium of Rs. 8,844 for sum assured of Rs. 2, 50,000. I realize that I am under insured. Considering this fact, I am inclined towards purchasing a term cover for myself. In your opinion, should I surrender this policy or let it continue and wait for another 2 years to purchase term plan.