How Much Should I Pay For Whole Life Insurance? 
It seems to me that you are looking to maximize value . That is best done by carefully selecting the agent with whom you can work . The agent should listen carefully , offer sound financial advice and communicate clearly with you and with the insurance company . The agent will determine the length of time that you require coverage . The agent will determine what your personal risk tolerance level . The agent will determine what amount of insurance you need now and at different periods of your life . The agent will select a company that can do what you want done at a price you can afford . 