I’d strongly suggest that you get ride of this policy. There is no point throwing good many after bad for the next 14 years! Instead buy a term plan for insurance purposes and invest the rest in a good investment instrument like PPF or mutual funds.
Please remember that such policies won’t give you more than 5-6% returns and such returns are going to reduce in the future if interest rates come down in the economy. Also such policies don’t give you adequate insurance coverage.
So admit your mistake and surrender!