Well put. When I was young I sold life insurance for A.L Williams. I hated seeing people being screwed over by buying whole life that was way over priced and most were sadly under insured because of it. As well most people were not aware that their so called savings were not included if the insured died, only the base amount of the policy was payed out. To this day I still agree with the premise of buying as much as one needs for as little as possible(term insurance) and keeping the remainder separate that one would have spent on whole life in an investment vehicle of your choosing.