The main types of traditional whole life policies available for purchase are Non-Participating, Participating, Level Premium, Limited Payment, Single Premium and Premium.

Generally, in a traditional whole life policy, yes. Over time, the policy accumulates a cash value, which is similar to building equity in a home. When a policy is surrendered, the owner is entitled to at least a portion of the cash value. The actual amount that the owner receives will depend whether there are any outstanding loans or unpaid premiu

It's also fairly normal to consider toast and jam breakfast, but this doesn't make for a well-rounded meal. Try to include some fresh fruit, something for protein (granola, organic soy milk, or nut butter), and a whole-grain carb. Try something like this Banana Oatmeal with Hazelnut Butter and Raisins.