Does Permanent Life Insurance Make Sense? 
If it makes sense or not , is up to the individual . Permanent life insurance is part of a financial plan because it makes sense to a lot of people , including myself.The problem with deciding if it 's a good choice or not is how it is compared by those who do n't want you to purchase it . The dreaded hypothetical 12 % return mutual fund . You know , the one that goes up forever at the same return to infinity ? Permanent life insurance is boring , conservative and usually very safe . A 12 % return security does not share the same characteristics as RISK is a greater issue with any security . What an individual has to decide is if they want something that is boring and conservative as part of their portfolio ? For me , it makes great sense as I want a diverse portfolio with different levels of risk so I can sleep at night . But again , that is just me . If somebody else wants to experience the highs and lows in their entire portfolio , entirely their choice . 