re: My Whole Life Ins. situation and advice request

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Does that keep going up or stay pretty much the same? As in if you pay another $25k is it going to stay at $26k ish so your new cash value goes up greatly?

Here's what few of these guys tell you, these insurance salesman and companies make out bigly on the policies the first 2-3 years. So you have to make it past that time, there's a point in the distance future it will make more and more sense from a "cash value" standpoint with some life insurance but your investment as far as appreciation will stop making as much sense.

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Typically, the better the guaranteed return the longer the surrender charges last. I'd guess most policies are about 8-10 years but I've seen several that stretch 15 years.

It is why the returns on life insurance should be considered a crock of shite (what good is it to brag about annual returns if you have to be married to the policy for 30 years to get full benefit)