<prompt> Human: Got a yearly summary of my life insurance policy in the mail the other day. Ive never really taken the time to sit down and study it and was shocked to see nearly all of my premium is going to fees. The fuck is this shit?Picture of the summaryGoing to call the agent soon and see what my options are to roll it into something else, like an IRA. EDIT: Little more informationMy grandparents opened an insurance policy for each grandchild and several years ago some of us took ownership. We met with an agent that they were using for some of their own affairs and this policy is the result of that. Since I was 24 and this was basically free money given to me I didnt really care enough to get into the nitty-gritty. Looking back should have cashed that shit out like some of the others did and invested but hindsights 20-20.  <response>: Welcome to the world of whole life insurance. Cut your losses and go with term life plus investing separately. Dont call your agent and expect help. They get paid by uneducated customers, not the ones who wise up. 