had taken some stupid decisions in past and was tricked into buying 2 ULIPs. first is aviva life saver plus with 50000/annum premium for 15 yrs and sum assured 3.75 lakhs.another icici lifetime gold ,50000 premium for 10 year term with sum assured 2.5 lakhs.i am presently in my 3rd year of installment and wanna get out this lousy thing called ULIPs.but the surrender values are high and may not get adequate returns. so how long should I stay invested and can I scale down on my premiums after third year.wanna save tax and also have good insurance policies for future, am 32 yrs nuw.can some one help please?