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Hello r/pfc, I'm looking for some advice regarding a whole life insurance policy, here's the situation.. My father passed away in June of 2007 when I was 10 years old, at that time his finances were handed to his brother (my Uncle) to deal with. Communication fell apart at this time and he set up some life insurance policies for my brother, sister, and I. With no knowledge of these accounts we were surprised to find out that they would be transferred to our names (in the past few weeks), requiring us to pay an annual $2000 premium. Now thats a major hit considering we're in our early twenties now, and already on a tight budget as we adventure through post-secondary education. My question is, would it be worth it at this time to surrender the policies to avoid the burden at this time in our lives. From my research on the Googles and here on r/pfc I have found that termed life insurance later in life when we have dependents and so on would be our best option. Can someone confirm this? It is a 20pay plan through London Life (who I've read some negative reviews on, however mixed) with 10 years of payments remaining.
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