看过的垃圾POLICY太多了，真的希望有保险需求的朋友能做出明智的选择。 Really you can pay reasonable premiun to protect yourself at a certain period of time, meanwhile you can save the difference for your future.
For example. for average family , husband and wife buy whole life, let's say around $200-$300 per month. when they hit the time for retire, what they have is only insurance.
but how about pay let's say half for the insurance and invest the other half for the rest of 30 years. I believe, what you have in your account is gonna be much more than your insurance coverage which you do not have chance to use at all. Cause money's commpound increase is totally out of you can image.
Please. when you decide buy, do the math. cause you rather put money in your own pocket than other person.