harry - 1/16/2025 19:30

Under no circumstances should you include life insurance in your Roth.

If you need life insurance, buy a term policy to protect your dependents until they are old enough to stand on their own.

Invest your Roth in some combination of equities and stable assets.

Consider visiting https://www.bogleheads.org/ for a deep dive into how to invest.

Wishing you all the best, and again, run away from Variable Universal Life Insurance, and from anyone trying to sell it to you.