I will restate a previous post of mine: I do NOT sell whole or universal life insurance as an investment. I am selling peace of mind for those who wish to pay for it. No one knows what their situation will be in 30+ years (health, tax, liquidity, etc.). If you assume you will have invested Foolishly and will have more liquids funds than you will ever need, that's great. There are those among us who have chosen to "hedge our bets" with at least some whole or universal life insurance. In addition to funeral costs, there are other final expenses to deal with, not the least of which are probate costs (unless you have Foolishly set up a trust). In addition, whole life can serve one well in connection with business transfers upon death (and will also aid in the company getting bank credit), and bequeathing large amounts to the charity of your choice. My point is: there are no absolutes. Never say never, and different situations, needs and wants call for different products. It's analagous to saying that you should only invest in RB's because they can give you the best returns. Different strokes for different folks. By the way, based on prior posts, I hope some of you get spell checkers for Christmas.Mark
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