Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Is Cash Value Life Insurance (“whole life” insurance) a good idea for my future?
I am of the strong opinion that life insurance should be purchased as a term product and nothing more. The internal expense is usually high, the returns, poor and the product disclosure is often incomprehensible. The only purpose Cash Value Life Insurance serves, in my opinion, is to fund the retirement and college educations of those selling it.