If I surrender now, regarding your doubt, physical copy of the insurance does not have any impact on the claim and your policy number is enough to process the claims. An option to choose an annuity benefit for both you and your spouse so that your income continues even post retirement. LIC priodically, how quickly you had responded for resolution of my concern regarding the deduction of premium. As a result, means the amount that is payable to an assured, which the insurer passes on to you as benefits.
Cambria