As i read your forum,i found that lack of understanding of the product has happened with u.Even this might be a mistake of your excecutive who narrated you the terms of the policy.
if you pay the premium for 15 years the amount you have paid is 2,70,000.
And for this payed amount u recieve a survival benifit of 1,35,000 as 45,000 at the end of 5th year,10th year
,15th year so the amount left over is 1,35,000.
And now if you can compare the S.A=2,25,000 for keeping just 1,35,000 within the company.
so the policy doesnt leaves with a loss.its actually a gain for the costumer..