It is definitely not cost-effective to surrender now, because you will inevitably lose more than 7000 yuan in vain.
The significance of this insurance lies in its long-term nature (is this life insurance? -) That is to say, in your mother-in-law's lifetime, she can "pay the critical illness insurance money according to the insurance amount stipulated in the policy ×( 1+2%× the policy lasts for a whole year), and the contract is terminated." This insurance amount should exceed your mother-in-law's annual payment of 3 105/the sum of 25 yuan =15 * 3 125, but it won't be much more. It should be ... you can look at the insurance contract, I'm not sure ...
To put it simply, if your mother-in-law has an illness on the insurance policy before the age of 8 1, she can get compensation exceeding the premium 15. If your mother-in-law is ill in the next 10, then this contract is very suitable because you haven't paid enough 15. Once the compensation insurance contract is terminated.
If your mother-in-law is healthy and has no accident, she can only get it back when the insured dies or the insurance contract expires (8 1 year).
Personally, I think it's better not to surrender, because people will inevitably get seriously ill, and you can't guarantee that your mother-in-law will not get sick in the next 10 year, can you? Besides, it's really too much to refund compensation now.