Is Participating Whole Life Insurance A Good Investment? 
Video Transcript : Hello everyone I 'm Steve Savant syndicated financial columnist and host of the weekly online talk show : Steve Savant 's Money The Name of the Game . I 'm answering questions from insurancelibrary.com , and my question today is : is participating whole life a good investment ? Well , many people feel like this is more of a saving technique rather than an investment . It uses interest rates . It 's a dividend participating company , especially if it 's PAR . They 're going to actually give you a dividend every year . Part of that is just a return of unused premium and also part of their earnings on their portfolio . If you use the base policy the guaranteed cash values are the guarantees you have . So if you 're into guarantees and you do n't like risk and you do n't mind long haul investing and long haul savings which this product is perfect for , this could be something you may want to look at because that money could come out in withdrawals to bases and policy loans to gain depending upon how it 's set up . That could come out tax free and be huge as a supplement or retirement alternative . Well , that 's our consumer question for today . If you have any questions just submit them to www.insurancelibrary.com 