Why should you invest in life insurance? There are several reasons. The biggest reason is that the typical American will die with less $65,000 in their personal saving, that's according the government sources.
With all the investment advice and opportunities on today's market, the fact is that Americans today are less financially secure than their great grandparents.
I learned this when taking my life insurance exam. The seventies were the height of life insurance ownership in America. More people owned and kept their homes in the family. More families had a life saving that was close to 10% of their personal life time wealth.
Then came the movement away from Life Insurance (which we are still in) blame it on greedy agents or salesmen pretending to be Life Insurance agents ( which happens in a professions - WOlf on Wall Street) and came a parallel effect of fewer American owning homes and having a decent life saving.
Why? No other assets other than their pension plans and side investment ( people living check to check)
Sum up. If you want to retain and grow your life time earning then buy Life Insurance. If you want to gamble on the stock market, emerging markets, real estate, and the like, do that but know that you are carrying all the risk and in a down market you will lose.