What kind of insurance is whole life insurance with a hundred years of luck, can it? Is it worth buying?

Hello, this is one of the four guaranteed commercial insurances. Life insurance is divided into term life insurance and whole life insurance and whole life insurance, which have certain inheritance functions. If you want me to answer your question, you need to answer me a question first. Why buy insurance? Only by knowing the purpose of buying insurance can we judge whether the insurance is good or not. Please leave a message if you need help.