re: Term of term life expiring

I get what you're saying now and yes, that's correct. I was thinking you were trying to say you get both the death benefit and cash value.

If anyone ever takes a look at a whole life insurance illustration and does the math, it's obvious that as cash values increase, the net risk to the insurance company does in fact decrease.

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The entire reason that I got involved in the thread was to agree with you that the cash value is not a reason to buy whole life insurance (other than the residual effect that it keeps the cost of whole life insurance lower for the insurance company which keeps the cost lower for the insured)

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