<prompt> Human: Hello, I am 26, and for 2 years now, Ive been paying 100 a month to a life insurance company. He said that my money will grow. Also in order for me to cancel it, I might pay some fee. I order to get some money back, I have to be on this plan for 5 years I believe. Not exactly sure.What is this life insurance plan I have?  <response>: Unless you have dependents, you dont need life insurance. You got taken by a salesman. 