<prompt> Human: Recently I discovered in 2003, my dad bought Whole Life Insurance from Royal Neighbors of America for me. I was not aware of this until now, and I am having trouble deciding whether to keep it or to take the money out to reinvest into something else, because I barely understand what the terms mean.The information:Plan: 20 payment lifeAnnual Premium: 684.00Face Amount: 100,000Current Death Benefit: 100,927.16Cash Surrender Value: 10,724.76 Current Dividend: 2016 dividend earned is 36.61This dividend has been used to purchase additional paid-up insurance of 225.15. Current total additional paid-up insurance is 927.16.Is this a good investment or something to keep, considering whatever rate of return this is? Or should it be invested somewhere else?  <response>: You should ask the insurance company for an in force illustration. I had a similar policy that my dad bought for me 25 years ago. When I looked at the illustration, I found that it was actually a term universal life policy and that even with annual payments, my cash value was going down every year and it would reach a point where the death benefit became zero. I cashed it out as it was not something that I needed. Not saying that this is what yours is, but you need to get that illustration to know what it is. I always thought mine was a whole life policy that could never end and was wrong. 