Can anybody comment on my investment in Bharti AXA and ICICI prudential Plans.Am i Fool?

Dear Friends,
Initially i was just unaware of of long term investments and risk benefit ratio of varoius ULIP life insurance plan.So i invested in Bharti AXA (Aspire Life-Grow Money ,started in Feb 08) with Rs 2000/month SIP for 20 year term.And At the same time In ICICI prudential Life Stage pension Rs 15000/Year pension plan. SURRENDING THESE POLICIES GIVES NOTHING,plz any body can expect the return after 20 years.