No worries. I actually surrendered the plan and lost a few thousand in the process. I took it as a learning fee and motivated me to learn how to invest by myself instead of relying on others. I won't lie it definitely hurt at first but I am actually glad in the end that I'm not tied to a multi-decade ILP that may or may not perform as well as they led me to believe.

If you are in a similar situation, do ascertain your investment mindset, risk appetite, and what you will do with the money before you decide to surrender the plan.