Whole Life (WL) is the most complex product ever developed by the life insurance industry. I would urge anyone who intends to read this write up to first read the “How it Works – Whole Life Box” write up first.  STANDARD INTRODUCTORY COMMENTS Whole Life (WL) is the most complex product ever developed by the life insurance industry. Complex in the sense it cannot be broken down into its parts.  It is a bundled product. 

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