Hello, I sold my life insurance policy and received $28,000. My total premiums since inception were $32,726.16. What do I need to claim....or not?

Hello, I sold my life insurance policy and received $28,000. My total premiums since inception were $32,726.16. What do I need to claim....or not?


It was sold to Coventry Direct. It was a $100,000 dollar policy minus about $3,000.00 in loans