Why Invest In Life Insurance? 
Do not look at life insurance as an investment . First and foremost , the objective is to provide a death benefit at a competitive , level premium . The cash value is a secondary feature which permits a level premium for life . The internal rate of return on the cash value can be projected based on current assumptions and should compare favorably to other long term savings products so i can make sense on this basis . Life insurance offers protection , income replacement , and the chance to leave a legacy . With life insurance , you are protecting the people you care about the most . Life insurance can also protect the business you own . 