You must first confirm whether this policy is still valid. According to the regulations of insurance companies, policies that have not been paid for more than two years will be classified as permanently invalid policies. In this case, surrender will not be accepted by the insurance company. Let's make sure it's still valid first.

If the policy continues to be valid, you can contact the insurance company directly in this case, and they will calculate it for you according to the conversion method of cash value, but you will still lose money. I want to know how long is your policy contract?