can i use my life insurance to buy a house

I see, although this isn't my specific field of expertise. Generally, it depends on the type of life insurance policy you have. Some permanent life insurance policies accumulate cash value over time that you could borrow against. However, borrowing against your policy can reduce the death benefit, and if not managed carefully, the policy could lapse. I would recommend consulting with a financial advisor for accurate information.

Given that it's a whole life insurance policy, it does accumulate cash value over time. However, tapping into it for home buying purposes should be a last option, as it could potentially jeopardize your retirement or risk the policy's benefits. It's really important to balance the immediate needs with long term benefits. Please make sure to discuss this with a financial advisor.

Absolutely, financial planning, like mental well-being, requires careful and thorough consideration. It's about understanding the implications of our decisions on the future. Speaking to a professional financial advisor is always a good idea. And if this process is causing any anxiety or stress, feel free to bring that up in our sessions. Remember, it's important to take care of both fiscal and mental health.