Six years ago, I started investing in SBI Unit Plus II regular with an annual premium of Rs. 37,500. Current value of fund is 2, 74,500 and the total term of the policy is 20 years. I had the option of not paying premium after 5 years. I got it converted from equity to equity optimizer. What will you suggest? Should I continue paying premium for it or I should stop paying and wait till the maturity period?