Term life insurance trap - paying too much into the policy premium for $100K death benefit. Need an urgent advice what to do - please?

My dad was a janitor. He bought a 99-year-term life insurance with the net death benefit of $100K when he was 51yrs old. All he knows is that the net death benefit is $100K. He has already paid a total of $92K in the premium over last 30yrs. The annual premium for 2025 is $11,264.04, and it continues to go up every year. He's retired and can't afford to pay the annual premium. If he stops paying the premium, he will lose everything. I'm hurt when I know that his monthly retirement income is not enough to cover the monthly insurance premium. I don't know what to tell him. Therefore, I'm writing this post seeking any advices on how to handle this tough situation. Thank you in advance for reading my post and sharing your experience and advice. Best regards.