Not sure if I should cancel my life insurance and receive $20k in cash surrender value.

Not sure if I should cancel my life insurance and receive $20k in cash surrender value. 27M. My dad has been putting money into life insurance plans for me and my siblings since we were kids. He recently transferred the accounts over to us so we’d each be responsible for the monthly premiums. I don’t have a problem with paying the premium, only thing is I don’t really see a point in having life insurance as I don’t want to have ki...

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