<prompt> Human: I reviewed the PF posts about whole vs term life insurance. So this is not about that.I have term life insurance already. I have a maxed out 401k, and my financial advisor has created an investment brokerage account.He also wanted me to invest money into a whole life insurance policy, and leverage that to create a tax favored savingsinvestment account with low risk and guaranteed dividends. Ive read online about this, but Im still absolutely confused about how overpaying a life insurance policy is going to create an investment account and how I can get money out of it if I need it.  <response>: This is a strategy that works best for people who have more money than they could ever spend in a single lifetime, and want to maximize the long-term wealth of their children, grandchildren, and further descendants after they are dead. So, if you are asking how I can get money out of it if I need it? then you are probably not an ideal candidate for this strategy. 