In 2008, I bought LIC profit plus growth policy with annual premium of Rs. 30,000 to be paid for 5 years. Policy duration is 20 years and till date I have paid 5 premiums. The value as on that is Rs. 1, 64,000. I have an outstanding loan of Rs. 3, 82,000 for next 18 months. Should I surrender my policy and pay off my loan or continue with it?