Been stressing about a whole life policy since I got it 2 years ago

I was convinced by my financial planner to get a WL policy a couple years ago but I’ve been regretting it since. I understand it’s value as a safer investment compared to stock market and we’re already putting away some savings each month into retirement funds (401k, etc.), and the value of the WL policy as a source of loans. So we can technically afford it, but I don’t think the stress it’s been causing me is worth it. I am thinking of surrendering the policy and taking the loss and just putting that money in index funds/ETFs.

If I do, should I get additional term? Or should I bear with it until the surrender value catches up to the cumulative amount paid in premiums? Or am I thinking of this wrong and the WL policy is actually right for someone like me?

38 y/o. Married with young kids. I am the only parent working at the moment

Own a home with about $400k left on the mortgage. Cars are paid off.

Annual premium is $12,500. I’m 2 years in ($25k paid), approaching 3rd year. Surrender value is currently $9,300. Would be ~7 more years until the accumulated value catches up to the cumulative amount paid.

I have a separate 20-yr, $2.5M term life policy as well as a 1x annual salary life insurance from work

My goal is not to leave my kids with a set-for-life estate. Just help support them through college/until they’re working and can support themselves, and retire to a quiet and comfortable life. If I do have something to leave to them, that’s great. But it’s a bonus.