Is this a whole life policy they sold you?

Yeah absolutely. If it's whole life policy I would drop it, they make a much higher commission off whole life then term. Do you think you will have a family though one day or at minimum a partner? It wouldn't be a bad idea to lock in a term policy now if you think that may be something you are interested in because the monthly rate would be a lot better now then later as you get older, gain weight, etc...