8 years back I purchased a Birla Sunlife Classic Life Premier Policy with an annual premium of Rs. 20,000. I paid the premium for 5 years and then policy became paid-up. The policy provides me a life cover of Rs. 4 lakhs. The current value of the policy is approximately Rs. 1, 52,400, i.e. till date the gain is more than Rs. 50,000. What do you say ? should I en-cash the policy by surrendering it or keep enjoying its benefits?