<prompt> Human: My dad bought a whole life insurance policy on me when I was a child. Im now almost 30, and the annual premium is only something like 150 a year, which adds to the cash value. It now shows as a Modified Endowment Contract with a Cash Value of around 5800 and a death benefit of 46k. The policy was also written to allow me the option to purchase a paid up additions rider. I havent looked into the cost of purchasing this rider and Im not sure if its even worth it. The policy is with NY Life and pays a reasonable dividend every year. At the moment I honestly dont really even need life insurance, since Im single and have around 250k in assets at the moment, so this would be something Id be using for the future when I hopefully get married and have kids. What should I do with the policy, and is the option to purchase the paid up additions rider something to look into for the future? Thanks!  <response>: If you invested that 150year for the next 60 years and got a 6 return on that investment youd wind up with 90,000 at the end to leave to beneficiaries. But thats not all! If you take out the cash value of 5,800 and invest it for 60 years at 6 youll have 190,000. So assuming that duration and return percentage, were talking about 280,000 total. Unless Im missing something, this is a no-brainer. For the insurance to come out ahead youd have to get a measly 2.5 return for 60 years or die a lot sooner. Crazy how compounding works! 