I Have a Kotak life smart advantage plan ( ULIP). it will complete 3 yrs in sept 2011. I am yet to pay the August installlment. the policy is under lapse mode. If i choose to renew it by paying the last due and then with draw immidealty after that . will i get the fund value. As i dont wish to continue this plan and need cash . Aslo let me knw how can i figure out my fund value.