When To Sell Whole Life Insurance? 
When you should sell whole life insurance is when there is a permanent need and the client can afford the coverage needed as whole life . Whole life insurance does not require as much management as a Universal life policy and is perhaps for the more conservative clients . The important thing to do is to cover the needs with what they can afford . You can always covert to whole life at a later date as the client can afford it . Participating whole life is often thought of as `` top on the of the line '' with it many features . With non par you get fully guaranteed coverage and lower premiums than par . As always it is a balance between desire , need , and affordabilty 