Parent Transferred Policy

Hello,

I have a life insurance policy my parents took out on me when I was 4 and passed it on to me a couple years ago. I’m unsure if it’s worth keeping or not and am a bit confused since I don’t fully understand it. Here’s the values I have:

Base coverage: $15k

Death benefit of Paid up additions: $751, does this mean that all that’s paid out is $15750? Or is there more to the actual death benefit number?

Surrender value: 1416, I assume this would be what I get if I cancel.

Cash value: 1356, why is this lower than surrender I thought it was typically more?

Then I have an outstanding loan balance of 56 since I assume a payment was missed somewhere?

It’s set to paid up additions and the premium is around 56 every 6 months. My parents paid for 20 or so years and I’ve paid the last 3. It kind of seems like either I’m missing something or this isn’t really worth it if there has been like $2500 paid into this thing and the surrender value is only $1400 and the potential death payout seems to have barely increased?

Thanks in advance.