Is Life Insurance A Good Retirement Investment? 
That is a great question ! I am often asked this question , and I give the same answer each time - there is a lot of confusion between investments , and life insurance . A good financial plan has two parts , protection , and income builders . Your investments , things like stocks , bonds , annuities , money markets , IRA 's , etc. are hopefully building your income . Things like insurance and your emergency savings account are protections against unexpected or expected losses -LRB- hospital bills , accidents , death , etc. -RRB- . A life insurance policy is therefore not truly an investment , as it only returns when you pass , and therefore is of no value to you , unless it was purchased to offset estate taxes . There are policies out there that are hyped as income building , but if you read the fine print , there are a lot of things that can keep that from happening . -LRB- I do not sell any of them , for that exact reason . I prefer that you keep your money safe . -RRB- Life insurance is an investment in the financial life of those you leave behind , and in your peace of mind . I hope that helps , thanks for asking ! 