[Marilyn]

I listen to Dave Ramsey a lot when I'm driving, and he does not recommend whole life insurance. He says you can get a better return with other methods of investment. He does recommend term life.

For savings for college there are several different fund options. It would be best to discuss this with a good financial adviser not connected with an insurance company.

If you have no idea where to go... and believe me I do not work for Dave Ramsey, just listen a lot.....you can go to his website, daveramsey.com and click on "endorsed local provider". There you can find a financial advisor in your area who can help you with sound inventment informaton so you can make an educated decision.

Hope this helps. We have a financial advisor, not one of Dave's, but one that we trust who has helped us with investment guidance & in improving our return on our investments. Would highly recommend this, but you need to find one who really loves what they do and will work with you. I had one through a major investment company who did not do as well as the one we have now.

Wish you the best!!!!