So the whole life policies are worth $600K as a death benefit. My thoughts would be to eventually leverage it if money is needed late in life but I would guess the kids will be getting it. When I called to ensure I was fully paid up for the policy the agent confirmed I did and encouraged me to cash out. I suspect many people don't fully pay into the policy and it is in their advantage for me to cash out.Any thoughts around how you'll be using your Whole Life policy? Is it just for estate planning or do you have plans to do something out of the box like leveraging it as collateral for an investment loan or some other business venture?