How To Evaluate Whole Life Insurance? 
I would say first of all consider if `` whole life '' is the type of coverage that best meets your objectives . You understand there are `` Universal Life , Flexible Universal Life , and Variable Life Insurance policies . The younger you are the more you need to slide toward Variable Life because you can select what `` portfolio '' you wish to use to fund your policy . The more aggressive you select the more `` premium '' you want to fund the policy . Then you want to consider the financial strength of the company-how long in business , payment of claim history , their rate of return history , and their debt ratios.Please remember it is the COMPANY that is either going to be around to service your policy and not that little freckled face smiling insurance agent . While the agent can be of assistance as long as they are committed to meeting your needs the viablity of yor policy is strictly the financial strength of the company 