What Life Insurance should I choose

I believe that you should look into a term life plan with a company that also does investments, like Primerica/Citigroup. The idea is noble, wanting to protect your life and invest at the same time, but the truth is that Whole Life insurance (Life protection and forced savings) although it does have some advantages in tax dodges, really doesn't have a good return. What you should do is find a life insurance policy that is protection only, that makes it cheaper, then with the other money you have saved, plus whatever else you would like to invest, you can put into something like a Roth IRA, which has no taxes taken out of payments, after you have had it for five years. You can get cash payments from a Whole Life policy, but most companies give them to you as loans. This is money that you have paid into the policy, how can they make you borrow your own money? If I were you, I would look to a financial planner with Primerica Financial in your area. They will be able to help you discover some options that would be right for you, and they are all over the world, so there is one that is close to you. Finally, they always do free consultations, so you don't have to pay for the valuable information you will get.