All that sounds great in theory. But the real life benefits are neglegable imo based on time spent. There are no real turn key solutions for that in the 401k world that I know of. There are some in the Pension world obviously. But it still is not a common thing even in that sector. If I remember correctly, regulations used to be a lot more generous for life insurance inside a Qualified Plan pre 2000s.... or maybe it was pre 1990s... others on here probably remember.