Thanks for all of the opinions. The first step will be to read the policies to see what is involved in closing them out. Hopefully I will be able to get back most of the money that I put in. Jacklad has a great point. Although many of us see these insurances as a waste of money, there are some who acutally need it and use it for great causes. I would never have thought about insuring my children just to be sure that they would have insurance in the future. Being able to get insurance is an assumption that most of us make. You know what happens when you assume...
