The investment portion, is not guaranteed, it may have gains or it may incur losses, and it is withdrawable by the policy owner. Every month of savings, the portion that goes to investments is used to buy units in the funds chosen by the client.
Both pre-need and life insurance investments are subject to market risk since they need to invest their funds and premium payments to make it grow, and to service future claims. However, recall that a pre-need plan has already promised to pay your future cost not matter how much it is (open-ended, making it harder to fulfill).
Current times may not be the best time to trade actively and most would rather watch on the sides as the market tries to figure out where it’s headed. Can’t help but reiterate though that this is the best time to learn. Learn on your own and learn from the experts.
In 2012, I encountered some serious life-questioning and part of the answer was additional things I want to do in an ideal day. This ideal day continues to take more shape in 2013
It’s prudent to get insured especially when other people depend on you. Don’t want to leave them empty handed.