I am property that increases in value from year to year.

Yes, much like a house, a life insurance policy is a property that increases in value each year. In fact, a good participating whole life (WL) policy will increase in value at a rate that is very similar to that of real estate. Of course, this appreciation occurs without the wild fluctuations that we have experienced in the real estate market in recent years.
If you think of the premium payments on a whole life policy just like the mortgage payments on a house, and the initial death benefit like the price that you paid for the house (and thus, it's initial value), you have an analogy that is very accurate. Quite simply, a good, participating whole life policy can be one of the wisest investments that a person can make.

Next: I lend money when you need it most, with no questions asked.