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  1. as u said that u want to to get ur money back from lic u should have at least paid ur before dues properly and u should have paid the minimum one third of the policy cover. other wise there is no use in gettin ur cash back its a mear waste of ur money that u have been paying so long.

  2. Regarding withdrawal of money , it depends upon the type of policy you have taken . better approach your agent or your branch office