<prompt> Human: Hello! I am 23 yo male and I recently started a life insurance policy. Im paying about 100 a month for this. I felt pressured by the sales guy to do this, and he did a pretty good job of talking me into it, but is this something I really need? Im a healthy guy with no pressing medical conditions. Also, how easy is it to terminate a life insurance plan?Let me know if I need more info in this description!Edit: I have called and cancelled!Thanks for the help guys!Assistant: Do you have dependents? No? You do not need life insurance. Human: I didnt think about it like that... what about the money Ive already put into it?  <response>: Sunk cost, too late to worry about. 