You might want to sit down with your agent and go over the
figures and numbers pertaining to your investement. Find out what
kind of investment your monthly contribution is being put into, and
what kind of annualized return it is yielding. Find out also if it
is a fixed or variable return. Find out if there are penalties for
withrawing the funds (since some investments, like annuities and
fixed deposits, rope you into keeping your money with them for a
minimum period of time).
Ask your agent if he/she is able to recommend some other investment
opportunities with higher yields and reasonable admin fees. Or you
could do the research yourself on the Internet.
It's your money. Start knowing what it's doing, and what it can do
for you. The stock market is currently doing extremely well (the
DJIA is currently above 13,000! 
) and you should be taking advantage of it.
