Ideally, investments and life insurance coverage should be kept separate. If returns are your sole purpose in buying life insurance, you need to evaluate whole life policies in depth. Whole life policies build up cash values with varying degrees of control over how much of your money is invested and where. Most experts however opine that returns will be better if you opt for investments on your own because a chunk of your premium money goes towards commissions, fees and maintenance charges in whole life. If you are buying life insurance for coverage as well as returns, I recommend buying term life insurance, and separately investing the money you save on premiums, on safe tax-deferred financial instruments, to get the best returns.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.