Is Whole Life Insurance A Bad Investment? 
The value of a whole life policy is not based upon the stock market . It is a legal contract in which the company assumes guarantees for the death benefit , cash accumulation and price . Declining markets do not affect those promises . A whole life policy is a stable part of a financial plan . A whole life insurance policy performs quite well when compared to other high-quality , fixed return investments . Whole Life also has significant income tax advantages , the greatest being that the full face amount can pass to your beneficiary free of income tax , and could escape estate taxes . 