<prompt> Human: I make 60k a year, no debt, and no current health concerns. In the end it seems kind of worth getting but just wondering if this a waste of money. Wonder if I should be investing or putting this money into other savings accounts.Edit: Thanks everyone for the help.  <response>: Do you have any dependents? If not, you shouldnt be considering life insurance, period.Whole Life Insurance tends to be a poor investment, which is what happens when you combine insurance and investments into a single, highly complicated product. Even if it werent, you should focus on maxing out your tax-advantaged accounts 401k, IRA, HSA if you have a qualifying high-deductible healthcare plan before considering non-tax advantaged accounts technically, whole life insurance can be considered tax-deferred, but actually taking advantage of that aspect is not very simple, and doesnt benefit 99 of savers. 