<prompt> Human: I am looking at a couple of life insurance plans and I wanted to hear your opinion about it. Scenario: I need life insurance. I want term and whole. I also want a good retirement plan. There is a couple of products I am looking at by Fidelity.I max my 401k company match which is 5 of my salary 3,000I also max my Roth IRA 5,500 Now the two products I am looking at by fidelity:A. Provides investing in SP 500 with 4 minimum return and 14 cap. B. Provides investing in Dow Jones Real estate with 0.25 minimum and no capSo for the purpose of having life insurance and also having a cash value that will grow, which of the two would you recommend? A 4 min with 14 cap, or a 0.25 min with no cap? Am I looking at this the wrong way? Should I just put all my extra savings into 401k instead of investing into the cash value of my insurance? I just want to hear your opinions on the matter.  <response>: See the FAQ entry on insurance Permanent life insurance plans usually arent even good insurance plans, much less investment products. 