<prompt> Human: My parents purchased two life insurance policies for me when I was a baby. One was a Whole life policy, the other is a Variable Appreciable life insurance policy. I didnt really know much about life insurance so Ive just kept paying it over the past several years since I took it over. Now that Im growing a bit older and wiser, I certainly wouldnt purchase whole life for myself, but since Ive already had the policy so long 30 yrs is it worth cancelling?I pay 33mo for 100k in insurance and theres currently 16k of cash value.  <response>: Cash it out and run... 