<prompt> Human: Hi PF. My wife got this life insurance policy years ago before we met. She then stopped paying premiums when she went back to school in like 2008 the guy told her this was fine. Shes back working for a couple of years now. I recently came across the statement details for the first time and cant figure out if this is something to leave paused, resume premium payments for, or dump completely.The part that got me excited was the guaranteed 3.00 interest rate. Id love that return on our savings. The first red flag I saw was the apparent 8 per month fee. A source of concern was at the very end where it says the policy will terminate in 2017 if no more payments are made.Heres the statement detailsSome insurance context: late 30s, no kids, renters, on track for retirement. Im not dependent on her income. Her mom is the sole beneficiary and her only immediate family member. Her moms retired, dependent on SS with some savings. On our radar to perhaps support her some day. My life insurance is generously covered via my job, with my wife as the sole beneficiary.What say you PF? Double down or run away?  <response>: Really dont need it but if you want to keep life insurance on her, dump the whole life crap she has and just get term life it will be way cheaper 