<prompt> Human: Im going to try and make this short, but my brother-in-law works in insurance. He suggested I get whole life insurance for the kids as a way of saving for college. I ran all the numbers on his computer and it seemed to check out. I put in 100 a month in the insurance policy, and when they turn 18 years they can pull out a certain amount every year tax free to pay for school. After they graduate the kids will take over the premiums into their own life insurance. When they retire they can then cash out the life insurance tax free. It seems great, since it takes care of college, is a way for my kids to start saving and compounding early, some advantages over Roth.It sounded pretty good. But I think I goofed. I think I should have just put the money in a Roth. The fees they take for the insurance is astronomical. And when I question my brother-in-law he says thats normal, and just be patient.Is it too late to turn this ship around? Should I even consider increasing the amount going in?  <response>: Id get out of it. A 529 plan is surely better for college saving. 