When evaluating whole life insurance, there are several key factors to consider. Cash value accumulation, premiums, death benefit, dividends, and policy loans are some of the main aspects to assess. The cash value accumulation refers to the growth of the policy's cash value over time, which can be an important consideration for policyholders. Premiums are another crucial factor, as they determine the cost of the policy and its affordability. The death benefit is the amount paid to the beneficiaries upon the insured's death, so it's essential to evaluate whether the proposed benefit meets your needs. Dividends are a potential feature of participating whole life policies, and understanding how they are paid and their historical performance is important. Lastly, policy loans allow policyholders to borrow against the cash value of the policy, so it's important to understand the terms and implications of taking a loan. Additionally, it's important to consider the financial strength and reputation of the insurance company offering the policy, as well as the policy's flexibility and any additional riders or features that may be available. Evaluating whole life insurance requires a comprehensive understanding of these factors and how they align with your financial goals and needs.