Which of the following is NOT a benefit generally associated with life insurance?

The correct choice identifies that guaranteed investment returns regardless of market conditions is not typically a benefit associated with life insurance. Life insurance typically provides benefits such as a death benefit to beneficiaries, cash value accumulation in certain types of policies (like whole life), tax-free death benefits, and potential loan value access during the insured's lifetime.

While life insurance policies that accumulate cash value may grow over time, the growth is not necessarily guaranteed in the same way an investment might be. The investment aspect of life insurance is limited and subject to the terms of the specific policy. In contrast, traditional investment vehicles like stocks or bonds operate under different principles and may exhibit considerable volatility. Thus, while life insurance products provide certain financial security features, stating that they offer guaranteed investment returns is misleading when considering the insurance context.