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We don't know when we will die. We don't know if it will be a week after we buy a life insurance policy or 50 years later. Whole life insurance is a life policy that is designed to cover you for your entire lifetime. The rates for whole life insurance are often significantly higher than for term life insurance, but can be a great value for a person who wants to make sure that, no matter what, their policy will never expire and their premium will never increase.
Whole life can also be used as an investment. Since the policy is for a lifetime, it will often build a cash value. This cash value can be used on a tax deferred basis for purposes such as a down payment on a dream home, college tuition for the children, or to help provide income to you during retirement.