Should you continue with your endowment insurance policy?

Shruti is a 38-year-old IT professional. She has been very systematic and disciplined in her savings and investments through the years. However, she feels her insurance portfolio needs attention. There are endowment policies that she bought over five years ago, primarily as a tax saving tool. Now she finds that they neither give her the cover she should get given the premium she is paying, nor offer very high returns. She is confident that her protection needs can be met more efficiently and her money employed better but is not sure how to go about it. Shruti sees the premium she pays as a drain on her investible surplus. What are the options available to her?

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