I have a life insurance policy that I must pay for 5 years. I'm paying $80 per month for my policy. After the five year payment period, I must wait another 5 years so that I could get a lumpsum payment. I think the terms are good. I do hope that the securities that are backing up my life insurance policy would perform well so that I would get a high lumpsum payment. What are the terms of your life insurance policy?