Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Is Cash Value Life Insurance (“whole life” insurance) a good idea for my future?
Almost everyone needs an insurance, you should also probably buy it. If you are good at planning [which it seems from your question], you should stick to Pure "Term" insurance and avoid any other types / variants of CVLI.  CVLI is only advisable if one cannot commit to investing or is not good at saving money, or one feels that one loses money in Term Insurance. Otherwise term insurance is best.