[Saving in So Cal]

I can't add anything to the whole life advice. I agree with what's been said and you've already taken steps to get out of the policies. My husband had a whole life policy since he was in his early 20's. Although it was costing us a $100 a month, both the face value and the cash value was pitiful. Still, he wasn't ready to part with it since we could afford the premiums and he had other insurance through work.

When he started his own business, he finally decided to check into term life. We found that the same $100 would buy us a policy with 5X as much coverage (more than enough to keep my daughter and I going should something happen to him). The rate is good until he is 65. By then we won't need the policy any more because our daughter will be out of college, our house will be paid off, and we will be retired.

BTW, we used the cash value payout to pay the first year premiums and then put the rest into the business. Maybe you can use your cash value payout to do something similar with your CC debt.