Should a 97-year-old continue paying for life insurance?

Q: My mother is 97 years old, in excellent health and living independently in her own home. For a very lengthy period of time, she’s paid for a whole life insurance policy. The premium is $121, paid semi-annually. Does she really need to continue to pay premiums on this policy or can she cease paying and just leave the policy alone?

Chris R., Waterloo, Ont.

A: She is 97? Fantastic! What is her secret? I want to meet her. And I want to be her. Wait. Sorry. You asked me the question....

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