Should I cancel my whole life insurance or cut my losses?

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

1. 1
   cashing in the whole life policy
2. 2
   switching to a term life insurance policy if dependents are present
3. 3
   relying on personal savings for final expenses instead of maintaining a policy
4. 4
   Surrendering the policy to take whatever cash value is left.
5. 5
   Purchasing a much cheaper term life insurance policy to ensure dependents are covered.
6. 6
   Investing the difference in monthly premiums into a retirement account.
7. 7
   Firing the financial advisor who sold them the commission-based policy.

In their words

Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.