family friend who is a fiduciary says it's a good thing. He's sworn an oath to only do things in the customer's best interest (which I think is a farce, but whatever)....

So, I thought I knew how Whole Life worked, but I'm a moron, so I probably don't.

I do know that my FIL has a policy setup by his work as part of his retirement or something... He was saying something about it maturing when he's 70.