I have purchased Jeevan Anand Policy in 2008 for 20 years. The policy was for 5 lakhs and I am paying half yearly premiums on it. Last year, I have purchased a term plan of Rs. 75 lakhs from Bajaj Allianz. As per the online portal, vested bonus on my Jeevan Anand policy is Rs. 91,000. Should I surrender this policy or should I let it continue? And what will be the surrender value?