Is Whole Life Insurance Necessary? 
A whole life policy provides a level death benefit for the lifetime of the insured . The owner need only pay the guaranteed premium . If you need a level death benefit , one that will allow those you love to live their lives with dignity after your passing , and you do not anticipate that need reducing in the future , then a whole life policy was designed for you . Many people I meet would like to buy insurance but they are now too old and unable to qualify for coverage . If you think you will need it , buy it now . 