Does your policy have a yearly cash back feature which you are entitled to take out? If so, you can consider taking out this cash back benefit and explore other avenues to put your money into. Ultimately, you still need to diversify your investment portfolio even if you are aiming for higher returns. And, safer alternatives like endowment policies and bonds makes up part of it.
Thnks for your reply Gabriel.
I think its because the interest they give is really quite bad. ANd i still have 15 years to pay for this plan. If i give it up i can use that to invest somehwere and get beter returns.
Why do you want to give it up?
I think you can treat it as a long term savings. Returns are not fantastic but it helps you save up.