<prompt> Human: My dad bought and has paid into a small whole life insurance policy for me for a while. Recently, hes transferred ownership of the policy and the responsibility to pay for premiums to me. Im trying to figure out whether to keep paying into this policy, or whether Id be better off putting my money elsewhere. Let me know what you think, or if you need more info. Heres the info from my most recent benefit statement - its a Life Paid up at 65 policy:ValuesCurrent Dividend: 11.65 Dividend has purchased additional insurance: 86.49 Policy cash value as of June 4, 2013: 1,141.06Loan No loan against its value at this timeCoverages Policy Coverage 5,000 Paid-Up Additional Insurance: 5,263.47Death Benefit Current benefit available: 10,263.47Premium 56.50 yearAbout me: 26 years old, married, no kids Make 95 kyear in a mid-sized midwestern town Have 200k in term life insurance coverage free via work Only debt is mortgage 190kEdit: adding info on term policy being free through work  <response>: No, you should not. In almost all instances insurance and investments are completely different animals. Insurance is only to benefit your wife based on the loss of your income. In fact, if youre comfortable at this point in your life that 200k is adequate, you could drop the whole life and not even take on additional term. Cash in what you can and pocket the premiums.Whole life policies primarily benefit the salesman in the form of huge commisions. 