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-up in that series discussing obstacles pertaining to attempts to compare WL products. STANDARD INTRODUCTORY COMMENTS Whole Life (WL) is the most complex product ever