<prompt> Human: Hey rpersonalfinance, Im a 30-year-old female, zero debt, unmarried, no kids and I have term life insurance. Its 35 a month for a 1,000,000 policy and so far I have an Annualized Premium of 443. Ive been reading Money Master the Game as Ive only recently become debt free and am now questioning if I should keep it or invest that money into other things. Would love any advice as I am still learning this world of finance and investing. Thank you!Assistant: Since you have no dependents it makes no sense.Human: At this exact moment, no. But I will most likely be adopting kids in the near future. Marriage most likely in the next 2 years.  <response>: Then dont let that policy go. 1mil for 35 a month a great price and you may not get that rate again now that youre over 30 get into your 40s with even a minor health problem and you can pay hundreds a month for the same level of coverage. Also, there is a chance that a health issue could come up in the next 2 years that would prevent you from getting insurance while you need it. 1,000 to hold onto a great rate for a couple of years will probably be of benefit long term 