to surender policee

i had bought a insurance plan from bajaj alliance inoct 2008 10000 /-per annum thats no- is 0112396537. i had paid 10000 per year for two year that is total amount 20000/-but on third year i could not paid 10000/- due to illness my father.now i want to surendetr my poliiece company said that he can not surrender whenever i have complete my lock period.
so pls solve my problum

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