I got an option of continuing with platinum life at a low premium,coz my 1st premium at 2019 was less than R400, but it increased to an extent that I couldn't manage

I got an option of continuing with platinum life at a low premium,coz my 1st premium at 2019 was less than R400, but it increased to an extent that I couldn't manage. Now am told that once it reaches 2039 with no claim,then will get 50 percent of premiums back,meaning I won't forfeit all the contribution,but then I would like to get investment from the policy with not more than R100 when added to the premium