2012年6月8日，《华尔街时报》的一篇关于Whole Life （终身储蓄保险）的综合 报道。 

        The policies can make sense for people who need insurance and have maxed out contributions to 401(k)s and other tax-advantaged plans, advisers say. But many buyers underestimate how difficult it can be to pay the premiums year after year, and they end up canceling their policy before they break even. 

        专家认为，Whole Life 适合那些把401(k)等退休优税户头都放满了的人。但很多消费者低估了要终身付保费的难度，所以在还没有回本之前就把保单关掉了。           In a study released in December, the Society of Actuaries found that 20% of whole-life policies are terminated in the first three years, and 39% within the first 10 years. 根据美国精算师协会(Society of Actuaries)的统计： 20%的Whole Life 保单在购买后3年断保 39%的Whole Life 保单在购买10年后断保 

文章全文是英文，在两张图片以下