How to decide to take Cover Continuance option in ULIPs ?

I have invested in an ULIP ( Bright Stars from Bharti AXA Life Insurance) and have been paying Rs. 30,000.00 each year for last 5 years. Total payment done is 1,50,000.00 and the fund value is Rs. 1,58,000.00 Is it wise to take "Cover Continuance Option" or "Surrender" the policy and invest somewhere else ?

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