You can make payments if you like, pay interest only or allow the contract to pay its own interest through borrowing against remaining cash value if there's enough. (budgeting.thenest.com)
While many financial advisers remain steadfast against using life insurance for investment purposes, claiming the returns, historically, have been extremely weak compared to mutual funds and other investments, the fact remains the cash value of most whole life insurance policies grows over time. (investopedia.com)
Commuted Settlement Should immediate liquidity of remaining cash value be desired by the owner or a lump sum death benefit be desired by the beneficiary (ies), Bankers Life Insurance Company is willing to process a commuted settlement (bankerslifeinsurance.com)