<prompt> Human: Ive noticed that most comments here always say put money into the stock market instead of getting whole life insurance. I understand that stock market returns could be more than the cash value returns that the whole life policy gives you, but those stock market returns cant beat the insurance when you include the death benefit money as well can it?What avenue of investing would you recommend, R-IRA? If so, who should I get one with?Assistant: Its an expensive version of term insurance a crappy investment account. Its the worst of both worlds and is laden with fees.If you bought term and then invested the difference, youd have the same coverage for a lot less money and better investment results.For 99.9 of investors, buy term IF YOU NEED IT Aka, have dependentscosigners on debt, and invest the difference in low cost index funds. Vanguard Target Retirement XXX in an IRA is perfect for you.Human: Interesting. Even with the slow economy right now, it would still be better to invest like that?  <response>: Hey rpersonalfinance, the OP seems to have some legit questions about Whole Life. Please dont down vote OPs questions. Vote up so more people can get the answers they need. Were supposed to be helping people learn here not creating an echo chamber and circle jerk. 