TTR: So, who are YOU to decide what they “need” or what they should want??? Not everyone thinks and or feels the same way as you or as I. true, but the thread started out as using whole life as a 'retirement fund'. It's a poor way to fund retirement. It is 'insurance'. You should buy the least expensive insurance. You insure your house for what it would take to replace it, not for twice as much, since you'd like to have a house that costs twice as much. For life insurance purposes, you obtain insurance for th money needed in case of your death. You are more likely to be disabled, and most folks that I've met are reluctant to buy 'disability' income insurance, but don't seem to have any trouble getting talked into loads of life insurance if they just have a wife, no kids, or talked into buying enough life insurance so their spouse/kids live the life of Riley after they have departed. If you want to save for retirement, life insurance premiums and high expense wrap around products are not the way to do it effectively. t
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