Is Whole Life Insurance Recommended? 
There are some financial advisors who always recommend Whole Life , and there are others who never recommend it . This can create a bias in life insurance shoppers , so that they may not recognize a very good option -LRB- maybe the only option for which they qualify -RRB- when it is presented to them . There are different types of life insurance policies : Term , Universal Life , Indexed Universal Life , Whole Life , and others . Each has a benefit for certain situations . Using a trusted professional to compare your need and your budget , with the benefit and cost of different types of policies , can help you determine whether Whole Life is recommended for you . 