AVIVA Life Insurance's ULIP Growth fund - how do I exit without any loss?

[most]

I have bought ULIP Growth fund of AVIVA Life Insurance. I am not satisfied by it as I was wrongly informed about the details. As told by my agent to pay for three years premium. I have somehow paid my premium for three years. Now planning to stop it and make it as paid up. I have to pay 1,20,000 yearly. Now looking for advice from this forum.
1. If I have make it as paid up when should I exit it. As I have lost around one lakh in it.

2. How do I exit without any loss. As they cut unit every time as charges and mortality charges. please help me

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[Madhura]

First of all you have bought high premium plan (Rs.120,000).
1- Best plan for you is make it fully paid up and buy another term plan.
2- Avoid exiting ULIP, as the surrender charges are quite high in ULIP.

[tigershark]

AVIVA Life Insurance - ULIP Growth fund is the name of the fund not the policy name. Please check the policy documents for name of the product and whether you can surrender it in three years or not?