I’m not a financial advisor and I agree with the notion of the commission angle. I used to sell whole life, ages ago, and it is a useful option due to the nature of it; however, it becomes very expensive later in life and it’s not touchable until retirement. I’m 15 years out of insurance, so I don’t know if an underwriter offers a whole life that “acts like a 40XY”, but that’s not the main purpose of the product. I typically sold term because it’s an easier product to sell - the expense of WL is somewhat sales prohibitive unless you have an income and strategy that takes advantage of it.

Disability insurance is great to have, but it’s a protective plan: not an investment plan.

Also agree that the match is okay, but if you’re not staying longer than the vesting period meh. Maybe you get access to low fee plans from the employer and that’s better than the alternative (nothing or IRAs). Check the fund offerings and how much fees are compared to your Roth IRA.