When To Cash In A Whole Life Insurance Policy? 
Without knowing what your goals are I would tell you to never Cash-In your Whole Life policy . If you have cash value built up within the policy , you can pull that money out , tax-free , as a loan to supplement income , retirement , buy a new car , etc. . You may want to pay back the money you take out on your own terms however it is not required . Keeping the policy in force will keep the death benefit in tacked which will pay to your beneficiaries upon death . I would recommend talking to your agent/broker to help you decide the best options are when you retire . 