I start my investment in SBI Life Unit Plus-II on 31st October, 2007 with 25,000 rupees. I choose three year period and pay 25,000 each in three year i.e. 2007, 2008, 2009 and now investment is 75,000 rupees. Todays the fund value is only 79,000 rupees lum-sum. Now If I want to withdraw my amount today, than SBI refund me only 79,000 -1% surrender charges. Now you suggest me, Should I withdraw my money or wait for five year period.