Satyam-This is the biggest mistake. Because even if you plan to surrender after 3 years, you will not be able to get the amount of what you paid. Luckily your wife is agent. So I have a trick here. Continue this plan as usual. Invest the commission of what you get from this plan in PPF kind of product or if you are comfortable, then in equity mutual funds. This may average your return from this plan’s 5% to 6% to around 8% to 9%. However, you have to follow of investing the earned commission back into the products I mentioned. Let me know your views.