I think I know what to do here, but I’m struggling to actually do it, and I’d like help being decisive.

I left a job one year ago after I was diagnosed with cancer, and I “converted” my life insurance under their group term life policy into a whole life policy at MetLife. MetLife said my job did not offer “portability”, which might have let me instead get a term policy. Approx. $100,000 in coverage for $190/month ($2250/year), paid up at age 100. I converted the policy because it seemed like a good - if very unfortunate - wager for my heirs.

I’m now in remission (yay!), but I think odds are that I’ll still die younger than average. The policy still seems like a good wager, but I don’t need this insurance, and it’s far more expensive than the other insurance I have. I think I should cancel it, but I’m struggling to bring myself to do so. Help convince me? Or tell me why I should keep it?

I have other life insurance - a total of over $750,000 through a term policy I bought in my 20’s plus a new group policy issued by my new job. This $100,000 probably won’t change any of my heirs’ lives as much as the $750,000+.

Age 42, male.

Normal Costco price is $270. This price is good today through December 19th, but they sold out early the last time I saw a discount like this.

Mens style
Womens style

Specs from the men’s style:

The Maravista combines the same relaxed contact points and geometry of a comfort bike with the smooth-rolling 700c wheels of a road bike. The aluminum alloy frame has a low standover height for easy on/off and classic geometry for a predictable and stable ride. The suspension fork and seatpost add an extra layer of cushioning, and the 21-speed drivetrain gives you plenty of gears to get you through any terrain. An adjustable stem helps you dial in your preferences even further. With plenty of traction from wide tires and hassle-free brakes, it really is as simple as getting on and pedaling. With a ton of utility for the price, it’s not hard to see why the Maravista is a favorite.

Frame Rider Height
Small: 5’4" - 5’7"
Medium: 5’7” – 5’10”
Large: 5’10” – 6’1”

Specifications:
Frame: DB 6061-T6 Aluminum Sport Hybrid Geometry with Formed Tubes, Replaceable Derailleur Hanger
Fork: HL Zoom Sport Comfort Suspension, 60mm Travel
Headset: Threaded 1 1/8"
Cranks: Shimano Tourney TY501 with Chainguard, 48/38/28T
Cogset: Shimano Tourney TZ31 7 Speed Freewheel,14-34T
Bottom Bracket: Square Taper - 5pc
Front Derailleur: Shimano Tourney TY500, Top Swing, Dual Pull, 31.8mm Clamp Diameter
Rear Derailleur: Shimano Tourney TY500, 7 Speed
Shifter: Shimano EF-51 Easyfire, 3x7 Speed
Chain: KMC-Z51, 7 Speed
Front Hub: 32h Alloy QR
Rear Hub: 32h Alloy QR, Freewheel
Spokes: 14g Steel
Rims: 32h SSW700 Alloy Double Wall
Tires: Kenda Cross, 700x40c
Brakes: Alloy Linear
Brake Levers: Shimano EF-51
Pedals: Diamondback Comfort Platform
Handlebar: Steel 50mm Riser
Grips: Diamondback Dual Density Comfort Grip
Stem: Alloy Adjustable Quill
Saddle: DB Deluxe Hybrid Double Density Base
Seatpost: KindShock Alloy Suspension, 27.2mm
EXTRAS: Owner’s Manual, Assembly Guide, Tool Kit, Kickstand

Price varies by model, size, and color. These are generally some great prices on Timbuk2. The medium Commute messenger in “surplus” is $64. 6.5% cash back from Ebates.

Here are the camel histories for surplus and black.