Is Permanent Life Insurance A Good Investment? 
Life insurance is not an investment at all . It 's protection . To be considered an investment , the product MUST have risk to your principle amount paid . That means even if you carry out the terms of the contract , you can still lose some or all of your principle and get nothing in return for it . The reason you would do this is to have the opportunity that the investment will go well and return MORE than you paid in . Life insurance does not work that way . It can never legally be called an investment . One form of life insurance -LRB- Variable Life -RRB- has the cash accounts invested but the life insurance component of the product is still not an investment . No investment will do what life insurance does for you . You should never confuse your life insurance needs with your investment needs . 