For last 8 years, I have been paying Rs. 30,000 premium towards Bajaj Allianz New Unit Gain Plus. Till day, I have paid a total of Rs. 2, 40,000 and the current fund value is only Rs. 2, 59,500. The ULIP has performed below my expectations. What will you suggest me to do? Should I surrender this policy and invest the amount in FD or wait for the policy to perform better?