To give you a better idea of which path fits, could you tell me:
Have you already your other retirement accounts (401k/IRA)?
What is your (e.g., protecting young kids, leaving an inheritance, or business planning)?
The Ultimate Guide for Choosing the Best Type of Life Insurance Policy
: Experts like Dave Ramsey and Suze Orman argue that the extra money spent on premiums would grow faster if invested directly in a low-cost index fund.
: Your estate is large enough to trigger significant taxes, and you need a liquid, tax-free payout to help heirs cover those costs.