Whole life insurance is generally most suitable for a client who wants:

解析

Whole life fits a client who values permanent, lifelong coverage together with a guaranteed cash value that builds over time. A client focused only on the lowest premium for a temporary need is better served by term. Someone needing coverage just until the children are grown also typically uses term. A client wanting pure investment growth with no death protection would not buy life insurance at all. Whole life's combination of lifetime protection and savings defines its ideal use.