Is Whole Life Insurance Recommended? 
Whole life is recommended for people who care more about life insurance coverage to age 100 with a fixed premium throughout the life of the policy . The rates are usually higher than term life insurance initially but will not increase drastically like term life would as your age increases at the end of the stated term . Whole life insurance builds cash value while term life builds none . The cash value in the whole life insurance builds up in the early stage of the policy and is used to keep the premium level in the later stage of the policy . 