<prompt> Human: I just received a letter from my insurance provider saying that the life insurance policy my parents had for me was automatically transferred to my name. The letter was issued on my birthday and my parents havent did anything to initiate this change and are confused like me. Is this what usually happens?Im not in a position to necessarily payneed life insurance definitely would be good for my family obviously but thats beside the point. Do I need to call my insurance company? Is someone phishing? I would appreciate any advice! Thanks!  <response>: You have whole life garbage insurance and I dont see that you have kids so there is no point in having any insurance. Your parents meant well but they had no idea what they were buying. Cash the policy out asap and dont pay a dime. 