I have 4 LIC policies ? 2 with Jeevan Anand and 2 with New Money Back Policy. There are pending premiums for these policies. Sum assured for these policies are Rs. 2, 00,000, Rs. 4,50,000, Rs. 6, 00,000 and Rs. 2, 25,000 respectively. Policies were purchased during 2007 to 2010. What will you advice me to do ? should I surrender these policies or make them paid-up?