How can I calculate the surrender value of my policy?

I have a policy with 'Aviva' that began on 26-02-2008 with annual premium ammount of Rs.20000/-.Now i wish to surrender it as I have too many policies on me. As till now I have paid five premiums, what would I get if I surrender it now? Kindly guide.

You have not mentioned the name of the plan. First check whether surrender option is available, if yes, also check after how many years after first premium.