The average college graduate is 26, and I was estimating 25, so I'd assume that by this community's standards, you're probably on the younger side. No offense was intended :)

I would point out that by the nature of it being LIFE insurance, it will generally not be used for stuff YOU need, nor timed to "when the need arises". That's investments, not insurance :)

(And if you have 100K of insurance for $50/month that lets you early-withdrawal AND isn't term insurance... then I'd be really curious how, because that sounds like a scam or someone misrepresenting what your policy really offers :))