I have taken LIC’s Jeevan Mitra (Triple Cover Endowment Plan) in year 2000 for sum assured of Rs. 6 lakhs. I am paying an annual premium of Rs. 23,320. Premium paying term for this policy is 30 years. Early this year, I have purchased a term insurance plan from Religare for Rs. 50 lakhs. Is it recommendable to surrender this policy and where I should invest the money?