Dang insurance. Those things that you pay out the nose for but hope you never had to use. That $70 doesn't seem like too bad of a deal, but like you said, you have to wonder how that money would grow if it were invested somewhere else. I don't envy the decision you have to make. Best of luck!
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Yeah, I'm leaning towards no as of now. That way my mom can cash out, and I can decide how I want to put my money to work for me.