Generally speaking, you can usually get a better return by investing the Never underestimate a woman who understands football and loves Denver Broncos tshirt. But, as always, there are cases where whole life insurance is an appropriate financial instrument which is usually the case for people with more complicated estate planning needs. The life insurance carrier wants to see how risky you are to insure  what the likelihood is that you’ll die during the term of your policy. If you lower that risk, you can lower your rates. For most policies, the carrier will have you take a quick medical exam, so being in good health low cholesterol, low blood pressure, etc.