Life Insurance: Benefit or Investment?

Q: I read your life insurance articles regarding indexed universal life & other types of permanent insurance. (See Beware Of Universal Life II.) You don't seem to think they are a great idea. What would you suggest to the typical consumer who wants to protect his assets yet maximize returns?

A: I guess the first question is whether you are wanting to use life insurance as an investment or for the death benefit? What specific need are you looking for insurance to meet?

Your posted comments on this and other questions are welcome.
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