My mom bought me a whole life plan a long time ago. What are the considerations in deciding if I should surrender the plan ?

I shall list out the factors for you to consider over here.

1) Is there a need for this insurance?
2) If you replace the policy, could you get the same coverage
3) Would you be in a better position (in terms finance) if you surrender compared to the amount already paid?
4) Are you able to service it?
5) If there is no need, could you see it as an additional annuity that will serve you after 65?
6) Are there any exclusions, which may affect you getting a other policy?

Surrendering a policy is no small matter. You really need to see why or why not you should continue with the policy.

1) First off what are your priorities? Do you need the coverage?

2) Upon surrendering what do you intend to do with the cash? Reinvest?

3) What kind of compounding par-returns is the company providing?

This is very subjective and has too many permutations. it would be best if you could sort out your priorties then this would be a straight forward answer.