SECOND THOUGHTS on Whole Life Insurance 1 Year in - ADVICE???

Hello all,

I'm hoping to get any advice on our whole life insurance - We are coming up on 1 year after starting, and I am hesitating to send in the 2nd year premium after seeing negative feedback online regarding whole life, include Dave Ramsey's take on it. Unfortunately, I do not feel we did enough research at the start of the policy, and bought into the idea at the advice of our financial advisor.

We have two nearly identical policies of $5500 premium and $3500 rider. We have good term insurance in addition to this, which can be converted in the future if we choose. If we quit the
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