<prompt> Human: When I was 18 I signed up for NWMs 65 Life insurance policy. Now I am 23 but I do not know if it is a solid investment. When I signed up for the policy it was proposed as a retirement saving vessel. I pay a fixed premium of 52 a month and recieve dividends. 2015s dividend was 120 which was directly added to the policy cash value. If I surrender my policy today, the cash value I would recieve is 1,300. I have no dependents and no student loans. The only reason for this policy was as additional retirement savings. What is crucial information that I need to know in order to determine if it is a good investment and what are your opinions?  <response>: Life insurance is not an Investment. 