You have the option of investing your cash value in stocks, bonds, or money market funds. (ufcu.pfyfn.com)
You also have the flexibility to invest the cash value portion in a variety of investment vehicles. (thebalance.com)
Investment returns on whole life insurance are typically lower than other types of permanent insurance, because the insurance company invests the cash value in extremely conservative vehicles, such as bond funds. (us.axa.com)