I'm also make the same mistake by buying saving plan. It's too late for me to surrender now, not sure how long you had been purchased, maybe consider surrender if able to afford the loss since your current earning able to barely cover your commitment, instead you can invest into some high dividend stock counters. Just my cent.

Around 5 years, GE wealth accumulator. Had pay around 2Xk if surrender only 5k+. Then I decided to just keep it for future retirement fund and not expected decent earning.