I have one ICICI prudential life time gold insurance and have paid thrice the premium. Its annual and 100000,?

I don't want to continue. there is surrender charge of 2%. If i dont widraw and keep the policy on hold so will they deduct 2% even after I try to withdraw after 6 years. what is procedure to keep the policy on hold. My pollicy due date has passed yesterday ( 20th May 2011)