I have two LIC Jeevan Saral Policies, both having an annual premium of Rs. 30,025. I purchased the policies 4.5 years ago for tenure of 30 years. After reading so much on Jeevan Saral policies on this blog, even I have started feeling as if I have been duped by LIC and I won’t get much out of this policy. When should I surrender this policy ? now, after paying 5th premium or after 10 years?