I am more than happy to help you with this. If you want, look for an annual statement (you should get them every year on the policy anniversary) and we can talk about it. I'm not a licensed agent so I can't advise you but I can tell you what to look for and what to ask about. I definitly would not cancel the policy yet....I would ask some questions first. Also, if you terminate the policy and there was a loan there is the possibility that there will be a taxable event in the year you terminate.

You said the policy does earn dividends. Do you know how they are being used? usually the options are: Cash (you get a check every year) Reduce the premium, reduce the loan, purchase additional insurance, or accumulate and earn interest (interest is taxable) If you want to call me to go over this I'm happy to help. My ph# is 267-261-3405. I'm available from 4:45 to about 8:00. I go to bed early:)

Suzanne
***********
T1 SCC on right side of tongue
Age 31...27 when diagnosed
4 partial glossectomies
No chemo or radiation
Biopsy on 2/2/10-Clear
Surgery needed again...no later than April 2011
Loving life and just became a mother on 11/25/10
It's not what we CAN'T do..it's what we CAN do:)