It's been proved by Dave Ramsey and many others mathematically that a Roth IRA and a term life insurance it's much much better package than the whole "hole" life insurance. Specially in a case of death, whole life insurance will pay only the life insurance or the money in the investment which ever is greater… But let me ask you something, what's the point of investing and paying life insurance if you only going to get one benefit??? this should be illegal and in my personal opinion people who sells whole life insurance are NOT been honest to people and you guys are taking advantage of people who doesn't know anything or very little about a retirement plan or how to invest in the market and please don't compare an Roth IRA to a whole "hole" life insurance again you look very ignorant doing that.