What Is Wrong With Whole Life Insurance? 
Assuming this question originates from a negative assertion that -LRB- participating -RRB- whole life insurance is inherently wrong , there is no wrong on a financial basis as a product . It may very well be unsuitable or not economical depending upon the personal profile of the potential purchaser and their financial goals . The annual premium for guaranteed universal life insurance is generally cheaper than whole life insurance , so the difference in premium could be argued as economical . But participating whole life insurance thats designed for tax advantaged supplemental retirement income can be very valuable to a long term conservative saver who seeks returns that can compete with treasuries as an example . 