Should I surrender whole life policy?

I am a 32yo female, no dependants, no liabilities, non-smoker. I bought a GE Flexi Living Term policy (sum assured 100k) and Flexilife Multiplier 65 (sum assured 35k, with lots of other riders, but ECI is 50k) in 2017. I am paying $492 and $1.6k/year for these respectively.

​

I subsequently read up more on insurance policies and decided I would do well with a comprehensive term policy instead of a whole life policy with expensive premiums and low coverage. I got GREAT Term in 2021 - (sum assured 1 mil, living care rider 400k, complete living care rider 100k - i think that means CI/ECI at 400/500k coverage). Yearly premiums $2050.

​

I am therefore looking to surrender the two policies I got in 2017 as it doesn't make sense to keep them, but have been told that certain definitions for CI have changed in 2020 and it will be more difficult to claim under the new policy I bought in 2021. Despite so, the coverage is only 50k, and I don't think I should be paying an extra $1.6k/year for that.

​

Appreciate any thoughts on the above.