Critics of whole life encourage you to use your premium savings and invest them, but you have to be honest with yourself: Will you really do it?
A whole life policy is an easy way to invest: You just pay the premium. And what kind of investing can you do with such a small amount each a month, anyway?
Further, your money invested in whole life is very safe, click here to understand more.
If you really keen on high protection but not the high premium, your best alternative is unit-linked life insurance policy, click here for more information.