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How do I get any of my whole life insurance policy payments credited should I want to cancel?

There is cash value to it but only 10% of what I have invested over the last 5 years. Being young and healthy, where would I turn to try to sell it - please indicate successful places for a young, healthy man selling a whole life policy? Furthermore, can I get any credit for 100 monthly payments made any other way besides trying to sell it? Is there barter opportunities or other means?

Public Comments

1. Who talked you into a whole life policy in the first place? Did you fall for an isurance salesman's pitch? Don't ever get conned again. If in the future you have dependents that can't live without your income get Term Life Insurance - don't touch whole life ever again. Whole Life = huge money makers for the salesmen - as much as 15% off the top. Contact your current whole life insurance provider and ask to cash out and cancell...
2. Credited to WHAT? Life insurance is NOT an effecient investment tool, it's primarily a DEATH planning tool. You probably can't sell it, and if you did, it wouldn't be worth quite what the cash value amount is. You can't barter it, and there's no way you're going to get anywhere near the $6,000 you've paid in, if you sell it. Because, that's not the PURPOSE of life insurance. It's not an investment or savings account. So if it doesn't meet your financial goal, stop throwing your money away.
3. u r screwd dude cash value sucks and they know it...run away from cash value sale people they ae crooks