<prompt> Human: Background on current financial situation When I started working a friend referred me to a financial planner. Initially the talks went well and he helped me out with a few basic things. Ended up showing me a bunch of fancy charts with high interest rates and how it was one of many investment vehicles. I ended up with a term 80, and a whole life 65 policy. My policy allows me to convert from term to whole life. Ive since them become financially smarter, and have been thinking about dropping one or both of the policies as I dont believe they are worth it. Im healthy with no dependents 25, and dont smoke. Below are the policies. I started them in 2016 and have spend about 3k total on them. Thanks for any advice!Term 80 387.12 premium65 Life 60k 770 premium 400 cash value65 Life 93k 1.1k premium  <response>: Life insurances goal is to replace your income if you die so that the people that rely on your income are ok. If you have no dependents, you dont need insurance other than maybe enough to get you into the ground without burdening anyone but that part can be covered by having a savings or emergency fund.When you do need insurance, you should only be buying term insurance. Whole life insurance is a terrible and unnecessary combination of a bad investment with life insurance, when you should keep your investments in separate and significantly better products.Any financial advisor or financial planner that tells you to buy whole life is a scam artist trying to sell you their products to get themselves commission with no regard for your future. 