Possible downsides to consider, and probably the most common
objection by detractors, is the cost of insurance for participating whole life policies is relatively high.
As I mentioned previously, the recent IPCC report has plenty of
detractors and failed to mention the issue of melting methyl hydrates and methane emissions from melting permafrost, over strong
objections, which the June, 2013 IEA - WEO follow - up climate change report did include when it forecast a 3.6 - 5.3 degree Celsius jump in average global temperatures
by 2100.