<prompt> Human: When I was 20 I signed up for a Fixed Universal Life Policy with some Financing MLM. Im now 26 and the face amount is currently 152k.I have been paying a 68 monthly premium since opening the policy. The more Ive been reading, the more Ive been thinking that maybe I should be investing my money elsewhere. I currently make about 30k a year and dont have money invested anywhere else beside a savings account with 1k in it. If I were to cancel the policy, the surrender value at this point is about 2k. Would it be wise to cancel the policy and invest my money elsewhere or just keep it as is? Any help or advice would be greatly appreciated.  <response>: Dont walk, run away from that thing. 