What Are The Disadvantages Of Whole Life Insurance? 
Whole life insurance is what most people think of when talking about permanent coverage , something that will last until you die . However , few carriers offer this coverage any longer because of several issues . Cash value life insurance is expensive when compared to other forms of permanent life insurance . The cash available to borrow is non-existent in the early years , and any amount borrowed reduces the death benefit by that amount . But perhaps the most negative from the owners point of view , is that the death benefit does NOT include cash value in the vast majority of cases . 