re: My Whole Life Ins. situation and advice request

This thread got me looking into my own whole life policy. High earning medical professional, and someone I thought I trusted has me paying $25,000/year in a lump sum once a year into a Variable Universal Life Insurance Policy through Lincoln Financial. It was issued almost exactly 2 years ago, so I have paid 50k into it with my third payment due soon. Just logged in to look at it and saw this:

Accumulated cash value $41,460.25
Surrender charge $26,919.00
Net cash surrender value $14,541.25
Maximum fixed loan available $14,536.47
Maximum participating loan available $14,534.68
Net death benefit $1,035,000.00
Outstanding loan balance $0.00
Loan payoff $0.00
Loan interest rate 0.000%
Fixed collateral loan interest rate 3.000%

Am I fricked? Any advice appreciated.