Why Invest In Whole Life Insurance? 
That is a great question ! I think it 's important to be clear about the difference between an investment and the protection that life insurance provides . An investment is something that is designed to hopefully increase in value over time , and provide you with an increase over what was invested . Stocks , money markets , mutual funds , bonds , these are investment vehicles . Life insurance typically does n't provide that same result . Term life has no value unless you die while it is in force , and you would n't be able to use any of those funds either way . Whole life insurance pays out when you pass , and the amount is promised when you purchase the policy . Though there are some companies that will pay dividends , these are rare , and most policies will only pay out what your face value is -LRB- and again , that is of no value to you -RRB- . It is a great way to protect against estate taxes , provide an income to those you love and leave behind , and for covering expenses that might outlive you . Life insurance is a worthy investment in that sense . I hope that helps , thanks for asking ! 