<prompt> Human: I have 2 cousins, m26 and m23 their father passed 6 years ago so they find it important to have life insurance. Now they have I believe a 50k whole life policy. Were very close and have told them its a rip off but how do I actually convince them to cancel it and get a term policy? Is that the right thing to do? Any info on whole life vs. Term would be appreciated!Edit: older one is married, younger one still lives at home Assistant: Insist? no.If they ask, give them your opinion and provide good evidence for your position. Otherwise its really not your problem.They are adults and can make their own poor choices.Human: Thats not how a good family works in the midwest! We look out for each other  <response>: You cant force someone to live the way you do, not even in the Midwest. You can give them advice and share with them the information they need to make an informed decision, but you cant coerce them into cashing out their whole life policy especially if they are really close with the person who tricked them into buying it. 