Add up what you have spent on the policy and work out if you had put that money in an interest account for the same amount of time how much would you have ?

nowhere near  the amount that will be paid out.  (i have been contributing for 15yrs)

Have you got something planned during the next couple of weeks Em? 

..and of course, despite written correspondence to say I no longer wish this insurance, they took the $1660 out. Banks!