[TNoldman]

I disagree - always buy TERM Insurance and invest the difference (betw. Term and Whole Life).

[hinckley buzzard]

Dittoes. I have term insurance and it does not get more expensive for the twenty years it is in force. The "whole life" option is exorbitant by comparison.

The fact is, insurance is an expense, not an investment. Any psychopath who tries to sell you life insurance as an investment needs to be tied down and staked out on a colony of fire ants on a hot day in Texas.