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BLOOD SUCKING ULIP – ICICI prudential pinnacle super lp

I started investing in ICICI prudential pinnacle super lp highest nav fund b four years back.I am paying yearly premium 1 lakh.I paid for the last 4 years.This is the last premium.However returns are horribly just 8 percent. Fund is sucking away units on various pretexts like insurance, PAC, FMC, policy administration charges.I am just undecided whether to pay this last premium or just put it in fixed deposit.The surrendering is only next year.Please advice your view.

Regards,
Sandeep Reddy.

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