THE “WHOLE LIFE” BOX WHOLE LIFE (WL) is the most “opaque” and complex life insurance product ever created.  By design WL cannot be broken down into its different parts.  This fact has long frustrated accountants and technical types who crave clarity, transparency and factual disclosures.   The infancy of WL’s design dates back into the early 1900’s.  Its design has evolved in many ways over the decades.  The products sold forty and fifty years ago

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