I bought this life Insurance that costs 97 bucks a month and it covers all the basics but it has this cash value amount of 100 K and the guy said after 2 years I can just take as much of that out as I want? I'm only 24 years old, I've been working at UPS for almost 5 years and I have a 401K and I have some sense on how to save for retirement. Is their a catch to this life insurance policy I got? So in two years I can just have access to 100 K without paying it back and it'll just lessen the value of my life insurance if I die? Someone please explain this to me please..