Before I get into this, I have checked the WIKI and FAQs on Whole Life. My adviser explained it to me like this.

"We are putting $300 a month into your Roth IRA and $200 a month into your WL. The IRA is extremely aggressive right now as it should be. It will go up and down, but your WL will stay at a steady rate. When you turn 65, you will have put $79,500 into the account, but you will have access to $182,000 that is tax and fee free. We are doing the WL not as a liquid asset to borrow against and not as a life insurance policy, but as a retirement fund. So when you are 65, if your IRA is not at a point where taking money out would be wise, we can withdraw for a couple of years from the WL."
user
My WL policy isn't for insurance, but to have another account to withdraw
assistant
Before I get into this, I have checked the WIKI and FAQs on Whole Life. My adviser explained it to me like this.

"We are putting $300 a month into your Roth IRA and $200 a month into your WL. The IRA is extremely aggressive right now as it should be. It will go up and down, but your WL will stay at a steady rate. When you turn 65, you will have put $79,500 into the account, but you will have access to $182,000 that is tax and fee free. We are doing the WL not as a liquid asset to borrow against and not as a life insurance policy, but as a retirement fund. So when you are 65, if your IRA is not at a point where taking money out would be wise, we can withdraw for a couple of years from the WL."
user
You can open a Roth IRA and WL at the same time and
assistant