<prompt> Human: I think Im in a bad spot. Coming out of college Ive been making 100k a year. I got in touch with a recommended financial adviser, but it took me a while to realize he wasnt really an adviser so much as he was a salesman. I trust him with my investments Roth IRA at one point, 401k rollover when I switched jobs but I think I got suckered into WLI.Basically I pay 2300 per year for WLI, and if Im reading my numbers right it would take me almost until age 80 to get an average return rate of 6.8. 6.8 is a good return rate, but at age 80 Ill probably be dead or wont have enough time to spend all that money so what does it matter?Heres my numbers:Started at 26, 2318 annual premiumAt age 70 my total ins is 460k, and total cash surr value is 280kand it shows total cash surr value rate of return 6.77Since this is all post-tax, wouldnt I be better off taking this 2300 a year and investing on my own?Sidenote: I also have a term-80 plan but I think Im gonna change that to the bare minimum term-65 or term-70.  <response>: To be fair. Whole life insurance gets beat up pretty bad around PF. It does have its places and uses. The best use of it as an investment option in a retirement plan using pretax dollars. buying Whole life after tax is generally a poor idearecommendation. 