<prompt> Human: Mom put 20k into a single payment interest-sensitive whole life insurance policy with Liberty Life Assurance, at the suggestion of a woman from her bank. She was told that when she passes that i will receive at least twice that amount. Now she is wondering if this was a smart move. What are the risks involved with this? Is there a better way for her to leave something behind for her children? Note: she is extremely risk averse. Thanks for your help!  <response>: Not really. The purpose of life insurance should not be an investment vehicle, but a term plan in case the holder dies and the dependents need money to get by until they are self sufficient. 