"Why not just buy term? It is cheap.

Whole life insurance is a rip off. You would be better served to
invest the
difference (between whole and term"

your right...term is cheap...and in a lot of cases, it is "just what
the
doctor ordered"...i own term policies...but, in some cases, perm ins
is better...for a number of reasons...(do some research, talk w/a few
financial planners and agents)...it is more expensive...but you own
it..
and no one can take it away...(just like renting a house vs. buying)...

its a long story...and you are right...some perm ins is a rip off...
depending on the co, fees, comissions, and a host of other factors...
including where and how the "cash value" is invested...but, back to
my point about usaa...their fees are low, no comissions, and fast cash
build up...just what you want, if you are building an "insurance cash
machine"... (don't forget, ins is tax free $, that alone, can be a
wonderful thing)......