I have to disagree. After reading this book and Becoming Your Own Banker, I started my first policy. As a finance major in college, it surprised me that this information was never even mentioned.
Don't get hung up on using whole life insurance. It is the vehicle that allows the tax-free benefits and liquidity that your 401k or IRA don't.
After starting my second policy, I was able to pay off all my credit card debt, buy investment real estate properties, and now I plan on paying off my mortgage.
Eric
https://www.youtube.com/watch?v=GFd3jOhYRVo&list=PLFDTlyjUzTMzggJGMhV8wwfudL9IX7TkC
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The Bank on Yourself Revolution