How to Refund of policy premiums paid.

Dear sir Two years ago I had first time bought an life insurance with money back plan. While selling policy the insurance advisor said that whenever I would terminate the policy, I would get full refund of premiums paid plus interest on paid premiums and he did not give me any information about surrender value that time. A booklet sent by insurance company after paying first premium in which surrender value was explained, but I could not correctly understood the meaning of surrender value that time. I thought it was a additional percentage of interest beside full amount of premiums refund on surrender as told by advisor while selling policy. Now I want to terminate/surrender the policy due to some economical problems; but when I contacted the insurance branch, they says that I will not get full refund of two premium amount that I had paid. When I contacted advisor he blame on me that I misunderstood what he said,while my parents also listen and understand the same thing. This is totally a fraud for me. Please help me what should I do so that I get full refund of my premiums.