Whole life insurance: Lifelong Red-red F-type is an annuity product. There is a hesitation period for insurance surrender, but it is a loss to surrender after the hesitation period. You should still have some losses now, and return your cash value. I can't know the exact amount until I see your contract. Because yours also has a universal account. How much money is there?
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.