I don't like when people present themselves as experts on something about which they only know what supports their actions.

I hate the argument that the reason you shouldn't do something is because the salesman is going to make a lot of money. It's an argument without principle - meaning it doesn't carry over from product to product. Consider not eating at a nice restaurant because the waiter makes too much in tips. Insurance companies pay a lot of commission for what they feel is valuable. Clearly the insurance companies make a ton of money on whole life, but I wonder if they don't make more in term in that 99.9% of all term policies go unpaid. Just consider how much money the insurance companies are making on the concept of buying term and invest the difference, which has a premises that the closer you get to dying, the smarter it is to stop buying life insurance. Or in other words - please stop renewing your life insurance policy before you die. It's the stupidest argument ever or if you're the insurance company - the smartest. Imagine if you could predict when your house was going to burn down and a salesman tells you to buy home Insurance until just before the house is about to go up in flames.

BTW, there are many reasons to buy term - I personally have a ton of term. It's just that most of what I've heard on this board aren't those reasons.

Most people shouldn't buy whole life insurance and most on here prove why not. Most people shouldn't buy cars that go 0-60 in under 4 seconds. WL Insurance is a complex tool that can accomplish wonders, but it's not for the audience who buys into the idea that someone else is better off telling you what to do with your money than you are deciding what to do. The entire foundation of financial planning is give us your money as often as you get it, let us keep as much of it as possible, and if you do have to spend any, spend a little as possible. Just consider the absolute waste of utility in that line of thinking. Who is realizing the value of your money? Is certainly not you.

There are many on this board who seem to be pretty educated on making money. I've not heard too many - including myself - who seem to have a good strong grasp on life insurance. Most sound very minimalist and elementary in their way of thinking

People quote Dave Ramsey a lot, and he's great at helping people who struggle pay check to pay check, but his advice - or the value of it decreases the further out of the rat race one gets.

From the very beginning, I suggested the original questioner should get more education on life insurance, learn about the products - all of them. Until he figures out which one is the best for his situation, anything he does is simply guessing or gambling.