text:  I have no complaints. I have nothing to say other than why did you take out whole life to begin with? Well, so that's actually where I think Dr. John might be able to help because this policy was taken out for me when I was born. It was something a financial advisor told my parents to do, and they've been paying into it ever since then. But now that it's coming on to me to start paying it, it just doesn't make sense to me because of the rate of return is so poor. Yeah, I'm glad you see that. But the problem is,