HDFC STD Life
Financial problem. Policy Cancellation Not allowded

Hi

I have 2 policies for HDFC stand life with annual premium of 1.5 lakhs each. I had paid 2 installements and now I ran into financial trouble. I am not able to withdraw the money and I waqs told if I did not deposit the next premium, 100% of my deposit will be taken by them. Please advise me on what to do with this.