Advice – Surrender American General Life Insurance ?

Hey everyone, I would really appreciate if anyone experienced with life insurance can shed some light. To give some background, our family grew up pretty poor and always struggled. Just learning from my parents financial mistakes, i decided to learn from those mistakes by learning to invest in myself early. I am soon to be graduating from college and scheduled to be an officer in the military next year (which means I can take advantage of a thrifts savings plan and ROTH IRA). Eventually, my goal is to give them a home in the near future by utilizing a VA loan and ROTH IRA + ROTH TSP because I always wanted to give them a feeling of ownership rather than renting.

I recently found out my mom has a life insurance payment plan where she pays $400 a month since 2021 up to 2036 and her reasoning for this is to leave me something behind once she passes (death benefit: $200,000). I am only posting on here because the policies she has with American General Life Insurance seems ABSURD with strict rules and etc. I was debating on surrendering American General Life Insurance and instead help start/fund a ROTH IRA account for her (she is in her late 50s).

This is her current plan:
Product: QoL Value+ Protector. Plan: Fixed Index interest flexible premium adjustable life. Death Benefit: 200,000. Death Benefit Option: Level (1). Period premium is $400 monthly from 2021 to 2036. Life insurance test is: guideline premium test.

I just don’t want to see them make financial mistakes again and see if there are better alternatives. I mean by the time she stops working (hopefully soon), I am gonna help finance the monthly $400 until 2036. I am quite young so I have a lot of learning to do, but at the end of the day I just want to make financial decisions that are best for them.

Just want to say in advance that I am super thankful for you all in reddit. I wouldn’t have learned all the useful opportunities/life skills if it wasn’t for this app.