It's what they make the most money on. Term and invest the rest is always the answer. Except for maybe 1% of people. Spend 100 a month on whole life you die you get the benefit. You live you get the cash value. Buy term and invest the rest and you keep both if you die. If you live you make multiples of the cash benefit. Don't do it.


"In time of war, send me all the Alabamians you can get, but in time of peace, for Lord's sake, send them to somebody else." General Edward H. Plummer

"Blessed are those who, in the face of death, think only about the front sight." Jeff Cooper