Lapse your policy and get nothing, but a thank you letter from your insurance company for all the years you paid them premiums.
Surrender your policy back to the carrier for its cash surrender value and yes you get a nice letter from them thanking you again.
Sell your policy to an 3rd party investment company as a life settlement. Pat yourself on the back for discovering the most profitable way to benefit from your unwanted life coverage. You are smarter than thousands of people who lapse or surrender their life policies yearly, but you need an expert's help to get the best offer!