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LimitedSlipDiff0 karma

I'm early 30s and was sold some NWM whole and term life insurance a few years ago. At the time I had no company sponsored savings, and the idea of being able to touch the money before I was 65 (maybe older by the time legislation changes in 35 years) was attractive. They sold it as growing more than a savings account, but to date I've paid $11k in premiums but my "net accumulated value" is $6k with a $200k net death benefit. I have no dependents and no plans for any. Should I just cut and run at this point? Was buying really as dumb as it appears?