You don't have to worry, of course, you can apply for surrender.
Let me help you analyze it. Yes, of course, you can return it. If it is collected in advance (equivalent to breach of contract), it will be calculated according to the cash value stated in the contract. On the first few pages of the insurance contract, there are several records about the cash value. The first column above says "cash value corresponding to basic guarantee", which is probably the corresponding amount from the first year, the second year, and so on. At this time, you see what the corresponding amount is in the fourth year, and the above is the result of how much you should receive.
Generally, the longer the time, the smaller the loss. After all, you have paid, and you also have this guarantee. I suggest you return the goods carefully.
In addition, if you surrender your insurance in advance, you will definitely not get your premium back.