विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

rajaraman
rajaraman
Ramalingam

Ramalingam Kalirajan11348 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 15, 2026

Asked on - Jul 15, 2026

Money
should i continue policy number 884365028 taken in 2012 running up to 2037
Ans: To answer whether you should continue Policy No. 884365028 up to 2037, I need a few more details because the recommendation depends on the type of policy, benefits, and your current financial situation.

» Please Share These Details

Name of the insurance company.
Type of policy:
Traditional Endowment
Money Back
Whole Life
ULIP
Pension Plan
Term Insurance
Other
Annual premium amount.
Sum assured.
Maturity benefit projected by the insurer.
Current surrender value (if available).
Current paid-up value (if available).
Whether any riders are attached.
Your current age.
Purpose for which the policy was originally purchased.
Do you already have adequate term insurance and health insurance?

» Why These Details Matter

Some older policies provide very low long-term returns.
Some policies may be worth making paid-up instead of continuing.
Some policies may be better surrendered and the proceeds redirected to mutual funds.
In certain cases, continuing the policy may still make sense, especially if it is close to maturity or has valuable guarantees.

» Also Share

Total premiums paid till date.
Next premium due date.
Latest policy statement or benefit illustration details.

Once you provide these details, I can give a clear continue vs paid-up vs surrender recommendation with a complete 360-degree review.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/
(more)
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x