<prompt> Human: 5 years ago, I started a limited pay whole life insurance policy with a 100k death benefit through Guardian. I pay 1,294 annually in premiums or 110 per month which is about 6,650 in total premiums paid when including fees. As of this month, the total cash value is 4209, which is actually right on track with the annuity tables provided in the illustration they gave me back in 2009. If I leave it alone and continue to contribute, the cash value wont surpass the premiums paid until another 10 years, and by year 20, assuming the performance remains somewhat consistent, the cash value will be 35k which would be the equivalent to roughly 3 rate of return.That being said, Im really not that impressed with the returns relative to my other investments. I started this when I was 24 years old and Im 29 now. Should I keep going? I have a separate term life policy for 500k death benefit that only costs 25. Are there any other advantages to an annuity like this that I may be overlooking? Or, more importantly, can the future dividends I plan on collecting from the mature policy be considered taxable income? I would appreciate any feedback or suggestions from someone who has experience with these. Thanks again!  <response>: Life insurance isnt an investment. Whole life plans tend to be overpriced, the fact that you stop paying them after youve overpaid them for two decades isnt impressive. Cancel the plan and buy term life insurance. Take the savings and invest it. Youll come out better with more coverage. 