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whole life insurance - capped earnings
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pretty simple: when is cash value life insurance a good or bad idea? it is never a good idea. how can life insurance possibly work as investment? it can't.  just as car, home, or health insurance is not an investment.  note for counter example providers:  intent to commit insurance fraud is not an investment. why not live your life so in 15 or 20 years you are debt free, have a nice emergency fund built and have a few 100 thousand in investments?  then you can self-insure.  if you die with a paid off home, no debt, 20k in a money market, and 550,000 in retirement accounts would your spouse and children be taken care of?
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