Using whole life Insurance to build cash value for a secure future. By Clyde Anderson Sheila's mother cries as the children look on. “Sheila was a single mother of two, Michelle, 17, and Mark, 14, were the loves of her life.” They were great kids who loved their mom. Sheila lived paycheck to paycheck and often thought about getting life insurance to protect her kids if something happened to her. One evening, Sheila was struck by a drunk driver and died instantly on her way ho