No added value in 35 year old policy

During the odd 30 years of my policy - I have paid every month on time- Now that I am nearing retirement and wish to change the policy slightly- as it still runs for another 4 years- The service centre confirms= There is no flexibility! I am told to pay the policy in advance and when the premium is due- the policy will remain paid. What's the use of paying in advance if the additional funds are not invested? and I cannot at least get the tax benefit, Sorry that I ever took out a policy with Liberty