Why Is Whole Life Insurance A Bad Investment? 
Why is whole life a bad investment ? Well , it could be the people that tell you that whole life is a bad investment do n't sell whole life and want you to purchase what they have for you to buy . Or quite often whole life is compared to term with a equity -LRB- stock -RRB- fund . The problem with this as an accurate comparison is that it does n't take risk into account . Whole life is a dull boring consistent product that does what it says it will over time . A stock market equity -LRB- mutual fund or whatever -RRB- is a different sort of risk . It can rise and fall and even disappear . While whole life policies tend to be invested in more secure long term investments which because they 're safe and long term , provide a lower , but consistent rate of return . And the nice thing about Whole life is the cash values ca n't go backwards . 