I have taken a policy from Birla Sun Life with half yearly premium of Rs. 7,500. After paying 5 premiums totaling Rs. 37,500, I stopped paying further premiums due to some issue with the company. Yesterday, I got a communication from them that I need to pay Rs. 37,500 balance premium otherwise the policy will be terminated. As on date its surrender value is Rs. 12,801. What will you suggest, should I surrender it or revive it before surrendering?