http://blog.wenxuecity.com/myblog/72332/201712/12835.html
有多余钱的话买人寿保险也没什么不好。就当是和存IRA一样了。首先要明白的就是这是一种长期投资，如果你短期需要用这个钱的话，最后的结果只会是赔钱。
Reply: check your whole life return against S&P 500 return for the same period to determine whether your whole life return is better than S&P 500?
另外还有遗产继承上的一些优势。
Reply: with current tax code, both parents can pass their wealth up to 22.4 millions to their heirs without estate tax. This estate tax examption will cover most of us. For the ultra wealthy people, your argument might be valid.
