• Many whole life policies come with higher premiums and large fees
  
  
  
  
  
  

• There is a surrender charge if you want the cash value of your life insurance
  
  
  
  
  
  

• There are tax consequences for withdrawing the earnings
  
  
  
  
  
  

• Focus on your 401(k), IRA, and Roth IRA to fund your retirement
  
  
  
  
  
  

Read more here http://money.usnews.com/money/blogs/on-retirement/articles/2016-11-02/should-you-use-life-insurance-to-fund-your-retirement