[Manny]

If it is whole life insurance then I asked a similar question a few months back. I have not bought one for various reasons, but if you have money around to invest I think its a good option once you have maxed out some of the other options. Those would include ret funds, college funds for your girlfriends kid, some more agressive investments like MF's, stocks etc. Also, to really take advantage of it I think you need to buy a nice amount.

Thinking about it as a death benefit only is completely wrong. It has a lot of uses and benefits (most of which I dont fully understand and cannot explain) but you can certainly use the money for retierment because it can taken as a loan that never needs to be paid back if you dont want to at 1%.