I have a mutual whole life policy myself and it is amazing how my interests as a policy holder and my interests as an investor in the company are aligned so wel

I have a mutual whole life policy myself and it is amazing how my interests as a policy holder and my interests as an investor in the company are aligned so well. There really isn't any conflict of interest that I can think of and it's a great win/win structure. That being said, having lived in countries with state run utility companies I don't trust the government to provide the best customer experience to put it mildly.