<prompt> Human: First of all, I already feel like an idiot, so please spare me the bad move, idiot replies.About 2 years ago before I knew about Reddit at all, while young, single, and making about 50kyear, I got a custom whole life policy, under a pretty aggressive saving plan: about 450month. At the time, I thought it was a pretty sweet plan, as I liked the idea of leaving my family with 1M when I die. Plus, its one of those policies where after a while I can take out money as needed, to buy a house, or pay for my kids college, etc. I had no issue paying this.About a year after that, I took out another policy under the advice of my agent, moreso for emergency funds, because saving on my own was just not happening. This takes about 250month from me. I also had no issue paying this, until I got engaged and had to pay for a ton of stuff. I guess I got confused about the term emergency fund, because even if an emergency were to arise, theres no way to tap into that fund that I know of.I got married about a month and a half ago, and we want to have a housekids in a couple years, so I still think having the first life insurance policy is a good idea. What I dont think is a good idea anymore is how much money is going into it every month, because I got laid off, and my husband doesnt make as much money, let alone the fact that he is now the sole breadwinner for 2 people. Of course, Im looking for work and earning money on my own in the meantime, but its not enough to keep up with this. Even if I still had my job, I just think I went a little bananas when I opened the account.I spoke to my agent about this while we were still engaged, and she pretty much did nothing about it except talk for hours about how important it is to keep both accounts exactly as they are. I asked about closing the emergency one and lowering the payments on the initial account, but she said that I wouldnt be getting my money back on the second one because it hasnt been open for long enough. She also flipped about lowering the payments on the first account. I kinda feel weird about that, being that its my money and I can do what I want with it...why wont she let me? Especially after being told all the time about how she doesnt get any commission or anything from the amount I open an account in?She did mention something about being able to suspend these accounts for a period of time in cases like job loss. Its just been really tough getting in touch with her to ask more about this, as she just moved and had a baby and whatnot. My life is pretty busy as well. I just feel incredibly uninformed. I read my policies and have no idea what Im looking at.All that being said, I want to schedule an appointment with her soon to discuss how this is going forward, but Im afraid of being a pushover again andor asking the wrong questions. I just dont want to be broke nowthroughout life just to have a million bucks after Im dead. Can anyone explain to me how to make this situation benefit me, or am I just being a whiny baby that isnt frugal enough to handle a life insurance policy or two?TL;DR - I have 2 life insurance policies, and now no income. I dont know what to do.Edit: Thanks for your commentsadvice. Sorry I couldnt reply sooner, I dont really reddit on the weekends. But Ive read every comment and will be talking to a CPA I know about what to do before discussing my final decision with my agent. Part of me wants to cash out now and cut my losses, but Id really feel terrible about having wasted all that money I could have either saved or spent on something worthwhile. I hope to make the most out of the situation but definitely not before getting a decent amount of advice.  <response>: You know the real reason she flipped out on you for wanting to close the 2nd one? She has to give back partmost of her commission for that sale if it lapses surrenders before a certain time period usually 2-3 years, this is the amount of time it takes the insurance company to make their money back on all the upfront costs involved. Also, if you were putting 450month into the policy and it has yet to build any cash value...something seems really messed up to me. I work for a pretty large insurance company and am fairly knowledgeable so if you have any questions, feel free to PM. 