profile. Here are just a few of the myriad of articles by insurance and financial planning experts that basically say the same thing:

http://money.usnews.com/money/blogs/my-money/2012/07/12/4-life-insurance-policies-you-should-never-buy

http://www.goodfinancialcents.com/universal-life-insurance-pros-cons/

http://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/2014/02/26/which-is-better-for-you-term-or-permanent-life-insurance