How Would You Rate Life Insurance As A Form Of Investment? 
Life Insurance as a form Of Investment can be achieved by designing the life insurance policy for maximum cash values and compliant TAMRA minimum death benefit . Product suitability is a significant issue if you select variable universal life , which is a security and has the potential to lose money and incurs policy expenses . Indexed and current assumption universal life both have crediting methods that protect against losses but not against policy expenses . Participating whole life insurance could be an option if the design uses maximum term and paid up addition riders . These have potential tax advantages as well but also have surrender charges in the first 9-15 years of the policy , so liquidity can be a problem . 