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get back what I have paid into a whole life insurance policy?

I have a Northwestern Mutual whole life policy that I have had for almost two years, so, obviously the cash value is a lot less than what I have put in it. Is it possible to have them buy me out and get back what I have paid in? I have no interest in keeping this policy or transferring it to another company. I just want to get my money back. Is it possible to get what I have paid in back (instead of cashing it in for the cash value)?

Public Comments

1. If you surrender the policy, the insurer will only pay the surrender value. They do not want to "buy you out."
2. the money you are looking for is the cash value of the policy. the reason your value is not the same as what you paid in, is there is a cost of doing business and a certain amount of the money you paid in is currently invested by the company in hopes that they could earn what they are contracted to pay in the event of your death. They need to make money, just like anyone else. They have paid many people in the production of your policy (sales, underwriting, medical examiners, lawyers, printers, postal carriers). to pay out what you paid would be bad business and cost them too much money.
3. You can't get a full refund of your money. The only thing you can 'get back' is the cash value part. They won't 'buy you out'. It's just like a lottery ticket - just because your number didn't come up, doesn't mean you can get your money back. You lost the bet, by living.
4. It doesn't work that way. They will not and do not buy you out, That is why whole life is a big rip off.
5. "That is why whole life is a big rip off" LOL You can't possibly be licensed and actually think that, can you?