I bought mine WAY back when I was very young and was making good money out the gate . It was not a very *educated* decision but at that time, I thought it was a good move just to have one in all cases. As I look and reevaluate, and based on my lifestyle, I may just switch it out to term. Just gotta get the figures on what the cash value/surrender is.

Everyones got a different perspective on this and I would love to hear some opinions on what you chose and why ?

Ain't got kids yet nor ball-n-chain yet.....