<prompt> Human: Edit- whole life, not termI dont have the terms in front of me, but its something like a 20 year contract, 30month, a 36k death benefit and its one that builds value that can later be borrowed from or cashed in I guess all whole life policies are like that?What does PF think of these? Outside of cars and home I dont have a lot of debt that I need the 30 for.Edit 2- thanks everyone, Ill look into mutual funds instead  <response>: Take that 30 bucks a month throw it in a mutual fund. 