Ask yourself whtheer the insurance is still useful, whtheer you need it. If you are thinking of a legacy if you should die then keep it.If not my advice is to discontinue and put the premium into some better return instrument.At this age did you know the mortality charge is so huge that it eats into the return. You are unaware becuase your insurance agent didn't know or didn't want you to know. You will be better off investing yourself and if you worry, treat it like self insurance. You should be looking at your retirement.