[JKnight]

Definitely agree with both Todd and Greg. I kinda got setup on this path as my parents started this policy when I was a baby. They paid the premiums for the first 22 years, then I took over when I graduated college. I never really questioned it since it "seemed" like I was doing the right thing continuing it. There's been some opportunities to expand the death benefit at intervals through the last 10 years, so I did. At 33, I'm married, but not debt free, so I can see how it would be good to keep what I have in case of untimely demise, but I don't think I'm going to increase it anymore at the next 3-4 intervals. I'll have to look into the details some more though. Glad this got brought up.

To Todds point, can you imagine if my folks would have just invested the money they paid into this policy? I sure as hell wouldn't have needed to take out student loans to get my undergrad!