In 2012, I invested in ICICI Pru Pinnacle II with Rs. 20,000 premium, 5 years premium paying term and 10 years maturity. They give returns on highest NAV on recorded any time during 7 years. What it is all about and should I continue with it till maturity or surrender it after 5 years.
You can consider 5 years as your lock in period. If you surrender before that, you will get less than your premium total till date. Check the current value of your policy, calculate return and you will get to know the right course of action.