I started investing in Birls Sunlife ULIP Flexi Save Plus in April2006. The fund name is Individual-Enhancer. The semi-annual premium is 8688 and I have paid 9 premiums till now. But recently I checked and found that my fund value is Rs.65598 only. I am in loss of more than Rs.13000.Now I am not sure if I should surrender this ULIP or should continue investing in this. Can you suggest on this, please?