Betty, age 35, has just attended a seminar where the presenter said that cash value insurance is a rip-off, and a person should always buy term insurance and invest the difference in a mutual fund. Betty has owned a $50,000 whole life policy since she was 23. She pays an annual premium of $485, and has a cash value of $5000. Term insurance for Betty this year would cost $95.00. What factors should Betty consider before making this decision? Provide a detailed explaination of your answer.