Exide Life Insurance — surrender value

Address: 560043

Iam a policy holder with exide life insurance since year 2014. It is giip insurance plan and my monthly premium is rs. 2575.13 which is paid for 3 years, this was great challenge for a working women like me to pay monthly. The mediator who got this insurance done had informed as after 3 years you are liable to get the premium amounts paid. I wanted to surrender the policy since had an emergency. But it was a shock to know that the surrender value is only rs.45000. Then what about the rest of the amount, on what basis this much of amount is taken by exide life insurance, there is no bonus added for 3 years. Forget about the bonus i need my premium paid amount to be given. If i had saved this amount all these years in bank i would have got the same back with interest. I kept on promptly paying the amount without knowing to my family. If i'm not getting my premium paid amount rs.91000, i will have to step to consult lawyer to file upon to get it resolved.