I invested 99000 in SBI UNIT PLUS II (49000+50000) in 2008. The Policy term is 5 years. So far I have paid 49000*4 and 50000*3. 50000 payment is due for this year. Now my agent says it is not profitable any more. Do I discontinue paying the premium? If yes, do I need to keep it alive till the end of PPT? Or if I surrender, what would be the loss?