<prompt> Human: My parents bought me universal life insurance back in 1984. Im 44, unmarried, no kids, no nieces and nephews. Marriage is a possibility, but kids are probably not.Insurance 60,000Cash Value 4,400Partial Surrender Value 4300Monthly Payment 52Currently funded to age 100 which I wanted but started to realize that doesnt necessarily mean to 100Im maxing 401k, Roth, and HSA with a good emergency fund. I have group life through work but that wont be around when Im old. Ive gotten to the point where Im not worried about my family paying for a funeral, etc. right now. Im more thinking about kicking it at 95 when Ive depleted my retirement fund and leaving someone the bill.Im not sure what to do. The main thoughts are keep as is, get a age 95-100 term, or just use the cash and monthly cash for safest level investing  <response>: If youve been putting in 52month this entire time youve paid in 21,000 for something with 4,400 surrender value. Plus that 21,000 would have been compounding interest this entire time.Whole life, universal life, reverse mortgages, and annuities are all toxic investment products. 