<prompt> Human: Fifteen years ago a salesman sold me a whole life insurance policy. Face value of the policy is 300k. Monthly payment is 150. I have no dependents. I cant imagine why I need life insurance.Moving forward I have four choices:1. Stop monthly payments. Accept the cash value of the policy which is 16k.2. Stop monthly payments. Accept the reduced paid-up insurance which is a 120k life insurance policy for the rest of my life.3. Stop monthly payments. Accept the extended term insurance which is 300k for the next 22-years. This is essentially the equivalent of a 300k term life insurance policy good for the next 22-years.4. Continue monthly payments. I think this is a terrible idea.A few thoughts: a Based on current life expectancies in the U.S., Ill live for another 41-years. Investing 16k the cash value of the policy, and assuming a 5 rate of return over the next 41-years, that 16k will grow to 118k by the time Im 78. 118k is very close to the reduced paid-up insurance value of 120k. b To date, the insurance cost me 27k. Investing 150month in the SP 500 for the past 15-years would have resulted in a portfolio worth 61k.I have a partner. She has a career of her own; she does not rely on my salary. She has a paid off house, and retirement savings of her own. Neither of us have any debt, nor any children.Okay internet strangers, what advice do you have for me moving forward?EDIT: For those who want to know, the policy is from Globe Life.  <response>: Take the 120k for life. Either you lose 11k, chance not having life insurance when you may need it in day 42 years or keep paying into the policy without any real reason. 