Why do financial experts say term life insurance is better than whole life?

I’ve heard it from Suze Orman, I’ve read it in Personal Finance for Dummies, but why do these life insurance agents keep telling me that Cash Value is better at protection than Term?

Long Term Care Insurance Tom Fischer Financial Planner in Scottsdale

www.arizonafinancialplan.com You took a lifetime to build your assets, don’t let life event deplete that nest egg too quicly

Long Term Care – Western Financial Group

Western Financial Group provides long term care insurance.

Financial Fitness – Life Insurance part 3

Alan Akina discusses whole life insurance to protect your loved ones on this Financial Fitness report. Watch more Thrifty Thursday tips and Financial Fitness tips! Visit www.101financial.com

Why Long Term Care Insurance Is A Good Financial Investment?

Most people do not perceive the risks of not insuring themselves from uncertain sickness and disability that may afflict them at some point in their lives. Lengthy stay in nursing homes and other rehabilitative care poses dangers to a person’s financial security, concretely if the costs of care become excruciatingly unaffordable.
According to the Department of [...]

L T C Cash: New Long Term Care Insurance To Cover Your Financial Needs

Finally, there is one plan to ease your financial burden if you would ever find yourself in need of long term care. LTC Cash (100% cash policies for long term care insurance) can bridge the gap between disability benefits and your monthly expenses during a debilitating, long-term illness. Disability plans only pay about 60% of [...]

About long-term care insurance company financial strength?

Hello,
I have long-term care insurance with Penn Treaty Network America insurance company.
Just found out that they have a B-minus financial strength rating.
Is B-minus “bad”? Are there stats concerning the failure rate of B-minus companies over the course, say, of 20 to 30 years?
Does anyone know how long they’ve been B-minus? What’s it take [...]