Should I keep my whole life policy?

30. Married. 1 kid. Making 160k gross. I’ve had a financial advisor since I was 25, had the policy since 26 (pre marriage, pre child). Ive been making 6 figures since I was 22 and didn’t know what to do with my money, hence the financial advisor. She sold me a 2m whole life policy, and honestly led me down road of it being an investment vehicle since I was already maxing out my 401k and Roth IRA.

At the time I didnt have any dependents, but viewed my myself as the financial savior of the family, and the first to have a shot at starting generational wealth. My parents sacrificed a lot to raise me. If I died, I wanted them to be taken care of with this policy since their finances were, and still are, pretty fucked. Also, my job is actually dangerous and I absolutely thought I could die at work, unfortunately people have and do, so I was OK with the coverage.

Now that I’m 4 years into this policy and have changed careers, I don’t see the point. The premium is ~$250/mo and I’ve over paid by $500/mo (since I thought this was an investment strategy) so totaling roughly $750/mo. However, I still have a negative surrender value and all that extra money (to my knowledge) is essentially gone.

I think I seriously fucked up by getting this. I should have bought a term life and invested the rest in a brokerage account. Can’t change that now obviously…but I was young and stupid and my financial advisor probably saw that from a mile away. My question is, what should I do now? I haven’t reviewed the payout schedule and I don’t know how much longer I’ll have to pay into this to see a positive surrender value. I’m assuming the fees are outrageous, my current cash value is about 18,000 and surrender value is about -9,500..yes.. negative 9500.

Should I take the L, surrender the policy and restructure my investing? Keep the policy and reduce the death benefit? I would ask my financial advisor but I definitely feel deceived by her and am considering changing advisors. I am happy with her other than this, but I feel like the trust has been broken now that I understand what she sold me.

So strangers of Reddit, what would you do?