28 y/o Cancel VUL??

Hi all, I purchased a VUL about 3.5 years ago and it has a 10y surrender period.

My current sub account value is ~$5,400 but my remaining surrender charge is $2,800. I pay $188.33 per month for a $500,000 DB

I have considered canceling the policy and using the leftover funds to go toward paying off my car and being debt free. I’m also attempting to save up for a house in the next 12-14 months.

The policy itself was taken out as a preemptive measure since I currently have no children and am unmarried. Although, if something did happen, then I could leave a little treat behind for friends who are close to me.

I am struggling to decide if this policy is serving me. Were I to invest the funds instead, it would take over 35 years for the $188.33 to grow beyond the initial $500k DB. However, my primary issue with the account is that the sub account isn’t accessible except through a loan, so it’s not really MY money.

I understand too, that I could potentially pay into it for 10-15 years and the interest accrued would likely just pay for the premiums itself, without needing to worry about continually paying into it.

Just looking for thoughts here, at 28.5 am I better off going my own route or do I keep the policy? I’m comfortable with investing and have my Series 7