Which insurance companies offer the best whole life insurance policies for investment purposes?

If you want to know when you will make money on a whole life policy ask your insurance agent or company "when will the policy have a taxable gain"??

They will not give you an answer.    The answer is you will NOT make money on the money.     Whole life is NOT an investment.

There was a product called Universal Life that promised life insurance and investments in the same contract.  The premium was higher than for the insurance component with the excess being invested; the promise was greater financial security.

Didn't work out as the market fluctuations negated the expected investment growth plus the expense ratios were high.  Customers tended to be the less sophisticated people who looked for a simple way to get rich while being protected by life insurance.  The balked at the premium when their returns were lower than expected (or promised).

Don't know if any are still being written by any major company.  The insurer I worked for contemplated writing these, advertised some, but decided to stay away. 

As others have stated, you can borrow from or withdraw your cash values but these grow so slowly it rarely makes sense to do so.  Also, any money withdrawn lowers the amount of insurance available.

You can typically borrow 90-95% of the cash value.  So, in the first couple years that's not very much.  For a whole life policy, it'll probably be close to 15-20 years before your cash value exceeds what you've paid in.

There are policies that are NOT whole life, that have a better scenario for that.  My policy is worth twice what I put in, and I recently used it to purchase a car, but I've also owned mine for a long time and I'm not tied to the low rate of return that a whole life policy has.  

What you want does not exist.  Only a small portion of the death benefit or what you have paid can be withdrawn as cash.  A whole life insurance policy is NOT an appropriate venue for an investment.

There are no policies that fit your criterion. That is because life policies have federal and state regulations that limit the amount that you can borrow. For example, by regulation you can only borrow against the cash value. When you pay your premium a portion of that premium goes toward the insurance, a portion toward the administrative costs, and a portion toward the cash value.

I don't believe any life insurance policy would offer the deal that you want, which is why you are getting negative responses from the companies.  It's not in their interest to make such arrangements, since they could loose on the deal.

Whole life insurance is a lousy investment.