Is Whole Life Insurance Worth Buying? 
Is Whole life insurance worth buying ? Well the answer is going to vary by the individual as people see worth differently . To me a decades old owner of whole life , all I can do is tell you why I purchased whole life . I liked the idea of owning the policy with a set price that can not be changed . I liked the terms of ownership did n't or could n't be changed over time . I like the steady boring returns to cash values that these policies produced . While my real estate , stock market and other investments have gone up and down , in many cases very dramatically , my boring whole life has done what it said it would . My whole life has NEVER gone backwards in value , it grows in good markets and bad ones . Is whole life the only thing you should purchase , well no . A good portfolio is a diverse portfolio . Whole life should be a part of it , but not all of it . Owning a whole life allows you to take risks elsewhere as you have a safety net . 