Hello, if you surrender in the eleventh year, it is impossible to surrender in full with dividends, because you are in whole life insurance, and you will end this policy in just eleven years. This is that your unilateral breach of contract is inevitable, and all you can get is the cash value of the policy, and if you pay the fee for ten years, you have to pay a lot of money every year.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.