What a rip off, in my opinion, whole life insurances. Term insurance is the way to go. You need as much as it would take so that when you got the death benefits you would be able to invest that money and the interest off of that money would be able to be what your spouse or significant other were to live on. Usually it's about fifteen or sixteen times the amount of money you need. So when you invested four hundred and fifty thousand dollars at six or seven percent, that would be the thirty thousand dollars you needed to live on.
Many people just get enough insurance so they can make it one or two years.
Maybe they were hurt in a car crash with you or whatever happened. Or maybe they're emotionally distraught that they lost you. Please give them enough time to heal from a loss. Nobody is going to care about your money more than you do. And what happens to your money is only going to effect the quality of your life, not my life, not your financial advisor's life, not your baker's life, but your life.