<prompt> Human: So I got lunch with an older guy that I work with and he knows i have two young girls. He mentioned this policy he got on his sons which paid some type of dividedreturn. I tried searching but since I dont know the name, and life insurance comes up with a 1000 hits, I cant seem to figure out if this is something good or bad.  <response>: Its Whole Life insurance, and its terrible. The wiki article is pretty detailed. 