George, I can see where that would be attractive under some circumstances. The biggest downside is you lose the liquidity of your money.
As for the return on your investment, you don't give enough information to calculate the rate of return, namely how long ago you bought the policy. Certainly the actuaries at the insurance company have figured it out so they're going to make money in the long run, even if they lose money on your particular policy. I assume the benefit must vary depending on how long you live, just as my universal life policy pays nothing if I make it to 62.
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Today's Featured Article - New Life for an Old Allis - by Tyler Woods. My friend Jon, has an old '39 Allis Chalmers B. He thought it a marginal tractor that had long since served its time. She smoked terribly and never had much power but he couldn't afford another so he was limping along with what he had. Jon's Allis has a small front loader and though it doesn't carry much, it serves his needs. It was the hard starting and low power that made him think it was time to replace the old girl. Jon called me to help him discover why his tractor wouldn't start
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