3 years premium paid, surrender or no? : personalfinance

I am 20 years old. I currently have whole life insurance for $100,000 payable over 18 years ($150000 if I die in the first ten years) and have paid around $2000 per year.

I have paid for 2 years already and have already been charged for a third policy term that is beginning in a few days (I may be able to get a refund for this, not sure).

I’ve just discovered the wonders of term insurance and would not like to throw more of my money into this hole if possible. Given that I have already paid 2 (possibly 3) years of premiums, is it still worth it to surrender?

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