It really depends on what you want the life insurance to do. How much you need and if you can afford the policies. It appears that these are term policies. So, as long as there is no cash value and assuming there is no need - you may want to consider canceling one, two or all three of them. Your health condition could also be considered. If the need is less or there is no one counting on your support then the need may not be there. If you are thinking you may want to leave something to beneficiaries and/or pay for final expenses - you may want to consider just keeping the policy that goes to 2023. Again, it depends on your assets, the need or what you'd like the policy to do - like leave money to beneficiaries, charities or causes. As long as there is no cash value - how much you paid to this point shouldn't really be part of the equation. Affordability, your assets, and need for the insurance should be the primary decision drivers.