Annuity’s returns are too low

I am 62 years old and have a Classic Linked Life Annuity Plan with Liberty. I was under the impression that it would pay out a lump sum on retirement. I discovered that it doesn’t. I am receiving a negligible monthly amount, and I no longer see the benefit of this plan. What can I do to earn the maximum return on this investment? Can I be paid out? Is a section 14 transfer to another company worth considering?

JM Meyer