Insurance, Investment?

jewella503 asked: PLEASE TELL ME THE ANSWER FOR THE BLANK.
Whole life is comprised of Term Life Insurance plus an Investment component. It is much cheaper to buy _______ Insurance separately and invest in a low-cost Index fund, like Vanguard.Create a video blog…instantly.

So why buy whole life insurance at all?

RedStorm asked: I’ve dedicated much of the past month researching life insurance. A metlife rep swears whole life is the best thing since “sliced bread” and has dedicated much of her time selling it to me. All of my research indicates to “Buy term and invest the difference” which is what I plan on doing. [...]