Have a small policy that my parents got for me around birth, currently mid forties, trying to decide if I should keep paying or cash it... $10k base value, addtl paid up $8K, so total payout if I kicked the bucket would be about $18k. Cash value $6,500. I'm paying $80/yr and it paid a $26 dividend last year. What would you do - let it ride, cash it, something else?