Am I overinsured regarding life insurance, disability and critical illness?

Here are my premiums

1. IAE Superior Program Disability and illness - $2100 per month claim w/ return for premiums
Monthly Premium: $43.85

2. Permanent Life $100k with Term 20 years rider[sic] $100k
Monthly Premium: $47.70

3. Term 40 years $100k
Monthly Premium: $14.76

4. Critical Illness $100k up to age 65 w/ return of premiums
Monthly Premium: $69.30

Total Premiums: $175.61

I m a healthy 25 yr old female with no dependents, no mortgage, car payment or any big debts.

I think I m paying too much every month. Any suggestions on what I can take out and what to discuss with my insurance rep? Thanks.

Read more: Am I overinsured regarding life insurance, disability and critical illness?