When To Sell Whole Life Insurance? 
The beauty of whole life insurance is the actuaries design the products to reach their full potential if taken out at day one . Whole life insurance -LRB- particularly participating whole life -RRB- from mutual insurance companies can serve as an outstanding savings and investment vehicle for newborns . Paying into a policy from the moment your born can provide great options later in life . I recommend this to all of my clients in small amounts . Usually $ 100 or $ 200 a month will buy a reasonable death benefit and build an excellent cash value over the course of 20 or 30 years . 