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Shall I surrender Birla and Reliance policies.

Hi,
I have 2 policies one is Reliance trad. superinvest assure plan and other is Birla vision plan.
I pay yearly premium 30000 of each. Also my husband has Birla Dream endowment plan which is ULIP plan and premium is 60000.
We have completed 3 yr lock in perion in June 2012 of all policies.
Now we are realised these policies are not good at all.we are really frustated with these policies.
Is there any sence to continue or should we surrender all.
how much loss we get if we surrender all
Please suggest.
desparately waiting for replies.

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