Is Whole Life Insurance Bad? 
The death rate is 100 % . The question then is , when will it occur ? Term insurance will provide coverage for a limited period to time . Whole life insurance will provide the same coverage for the lifetime of the insured . Unless you die within the period of coverage of the term policy , the whole life policy will always be a superior buy . Unlike the term policy , the whole life policy premium remains constant and the policy develops cash values that can be used for other purposes . The whole life policy doesnt increase in cost just at the time that you need it . 