So many opinions and so subjective.......based on the individuals needs.

I bought my policy way back when I was extremely young and was making some extremely good $$$$.

As my outlook on things changes, I start to reevaluate whether the policy is worth it or not. SOOOOOO many peeps I know only have term and pay anywhere from 75%+++ on average less than what I'm paying. I currently have a VAL life policy and the obvious choice would be to consider migrating it to a universal.

For those who have been in similar boat, love to hear your spew on the whole vs. term agenda.