Life Insurance Cash Value

What is the best way to cancel a cash value Life Insurance Policies.?
I want to keep the cash value invested, and would like reduce the amount of penalty to be applied against him. I have made several study on the subject and have realized that this was a mistake and I have taken. I have been funding for a little over a year and have about a thousand dollars in cash value. The delivery period is ten years. I heard it's a good idea on paper exchange a variable annuity in 1035 with the same company to reduce the rate. Help??
What kind of insurance do you have? Why do you believe you were taken? Some insurance policies that you can change the death benefit that will make the cheaper cost and rates. You have to understand, any investment is going to have fees. Buy insurance, and I personally believe that insurance is a great investment. If you have any questions you may be able to help. You can email me seek2bgr8@yahoo.com electronic. I can at least help decide whether he benficial to move to the Variable Annuity.
Life Insurance basics
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