Low yielding insurance plans:
Endowment & money back plans offer very low returns. Policyholder get taken by the projected maturity value without realising that inflation would have eroded its purchasing power.

Detox measures:

Surrender:
Surrendering an endowment policy leads to losses, but you save on the premium.

Convert to Paid-Up:

If you have paid premium for 3 yrs, the policy can be turned into a paid-up plan. Premium will stop but the cover continues & you get money on maturity.

If policy is ending in less than 5 yrs, it is better to continue paying premium.