For last 5 years, I am paying premium towards LIC shubanivesh policy. Policy is for 15 years tenure with an annual premium of Rs. 10,000, but now I want to convert it to 10 years. Is it possible? I have jotted down few options available to me ? (1) surrender this policy, (2) continue it, and (3) make it paid-up and then let it continue. I want to know what will be my loss in all these three cases. What is its current surrender value?