<prompt> Human: Im really not sure if this is the right sub or not and, if not, please recommend a more appropriate sub. It seems everywhere I look, everyone says whole life is a scam. My parents have been making payments for me for the past 4 years believe me, I did NOT ask for this; they just went ahead and did it. Now that Ive got my feet on the ground financially, they want me to take over the payments. I would really appreciate any advice on what to do next and what to say to them, because Im really at a loss of what to say at this point. Thanks!!Assistant: Let them know you will take over responsibility, but in your role of primary decision maker you will be canceling the whole life policy. They cant it both ways- if you are responsible, you arent obligated to pay something at their insistance.Human: This is the perfect response. I am too close to the situation to have seen it that way, but it makes total sense now. Thanks so much!  <response>: No problem...honestly Ive been there myself- a third party set of eyes helps. 