<prompt> Human: My parents apparently took out a term life insurance on me when I was younger that now rolls into a whole life policy should I choose to continue it. Now that Im 25 it is up to me to continue it or not? Im still learning the life insurance game. However, Ive always been educated to buy term and invest the difference, and investing is something Im comfortable with. The policy would cost me approx. 37 quarterly so it is easily affordable for me, but Im not sure even that is worth the money. Should I just let it run off?Im 25. No dependents. Single. Make about 41kyear. Edit: I apologize for not posting more details previously, but honestly the letters I have dont give much more. It simply says it converts from a term policy to a 12,000 whole life policy beginning on 4715 if I pay the premium.  <response>: no dependents no need for insurance 