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. [...]

Im confused. Im signing up for supplemental life insurance through my employer and the provider is metlife. ?

DC asked: They are offering that as well as voluntary AD&D. The AD&D says it pays benefits in the event of death due to accident or disabling injury. So are they saying that if my death is a result of an accident life insurance wont cover it and only AD&D would??? Like a car accident [...]