When to buy whole life insurance

[Shane Barrows]

Ok so I grasp how whole life works. But in order to use it correctly should I have a lump some ready to put in on first payment. Example 50k policy 4% return 2k first payment required monthly after that is $35 So why I'm asking is do If i start out with less then what the percentage yields of the policy, will it make any money at all? I know this probably opened up a lot of questions this is my first post so I'm still learning how this all works.