Whole life insurance has the potential to pay for itself over time due to its cash value accumulation and guaranteed death benefit. Unlike term life insurance, which only provides coverage for a specific period, whole life insurance offers lifelong coverage and includes a cash value component. The cash value grows over time through contributions and accumulated interest, and policyholders can access this cash value through withdrawals or policy loans. If the policy is held for a long enough period, the cash value may grow to a point where it can cover the premiums, effectively making the policy self-sustaining. Additionally, whole life insurance provides a guaranteed death benefit, which ensures that the policy will pay out to beneficiaries upon the insured individual's passing. This combination of cash value accumulation and guaranteed death benefit gives whole life insurance the potential to pay for itself and provide financial security for the policyholder and their loved ones. It's important for individuals considering whole life insurance to carefully review the policy details, including premium payments, cash value growth, and potential dividends, to assess the long-term financial benefits and sustainability of the policy.