<prompt> Human: EDIT: I called TransAmerica and they told me they will not charge me this month, and they will send a surrender form in the mail. They were very easy to work with, a lot more than the insurance agency guy! if they are indeed a pyramid scheme and I continue to get charge, I will call the bank and tell them to stop the debit.Thank you all for the helpful advice and for showing me the course of actions I can take---6 months ago, my mother-in-law came over with her Financial Adviser. Financial adviser was this well dressed Vietnamese gentleman in a suit. He sold her life insurance 5 years ago and sheMIL has been paying ever since. Background information about our family, we are first generation Vietnamese Americans who are bad at English, so we dont know much about how life insurance works. He showed us graphs and charts about how our investment grows, and how compounding interesting works and how rich well be if one of us dies, and about this and that. My MIL with this gentleman convinced my wife and me to both get life insurance policies through oh if you die, what will happen? this and that.Fast forward to two days ago, my coworkers convinced me to cancel my insurance, and heguy who sold the insurance absolutely refuses when I made the call! I said I cannot pay because I have kids, a mortgage, car payments. his reply Oh, thats exactly why you need life insurance! if you die who will pay those bills. then I tried to get him to cancel and he said Oh, 65 a month, thats only a beers and meals, you just have to go without it .I said Please sir, can you cancel the policy for me and he said OK, just wait for the forms, ill send them to you. I said How long will it take for the cancel forms to reach my house? he said Who knows really, it can take be whenever. and I told him, please send the forms as soon as possible or I will call the CORPORATE OFFICE to do it.Yesterday he actually went behind my back and called my wife to talk to her to convince her this and that!Today I called him back, and after a lot of oh, you make me feel so sad.. why must you put your family at risk and he said Oh, can you please keep the policy for another 6 months so you would have hold it for at least a year? till then, we can talk about it. and so now he still refuses to do any policy canceling. Right now I have the autopayment through my bank account and it is withdrawing the premium in two days and I really dont want to pay for this policy for the rest of my life I ALREADY HAVE certain insurance through work, which I think are better than hisOur policy is with TransAmerica, I am 35 years old, and my policy is for 100,000, and my payment is 65mnth. Can I cancel straight through TransAmerica? My wife is afraid that hell talk bad to my MIL if we cancel with him.I am bad at english so I have my nephew type this. Hell translate the replies.  <response>: I hear stuff like this all the time. Folks, save yourself some stress and awkward family gatherings and just refuse to deal with your relatives friends, more often than not it is going to cost you money in the long run.The reason being is you forfeit your ability to deal with that person in a professional manner. People make mistakes and sometimes those mistakes need to be rectified, but if you came into contact with this person casually, expect casual attention and it to impact your relationship with the person who introduced you to them.Bottom line: It sucks 