I would urge anyone who intends to read this write up to first read all of the rest of the Whole Life “How it Works” write-ups with the exception of the “infinite banking” write-up which pertains to a unique and ill-conceived WL sales approach.  This is one of two final write-ups in the series discussing WL products. STANDARD INTRODUCTORY COMMENTS Whole Life (WL) is the most complex product ever developed by the life insurance industry.

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