re: Whole Life Insurance Policy Question

They are all different. Most don't gain a cash value until at least a year in. If you could always cash out what you put in, then everyone would have piles of WL coverage. There is always the "cost of insurance" that keeps you from getting back all that you have put in (early on into the policy), however, the cash value on some will exceed the amount paid in on some policies after several years of the policy being in force (usually depends in interest rates).

All WL contracts are different. Call the agent and ask what the death benefit is and the surrender value. Also, you may be able to take a loan from the cash value if you want to keep the policy in force but need the money