re: Whole Life Insurance, etc

Purchased whole life about 25 years ago. The cash value was about $55,000 the dude kept saying we were making a killer return on our money. It raised a red flag when he said killer. I figured out we were returning about 1.5% or so.
I cashed it out and invested the cash.
When we purchased it the $100k was gonna help the surviving spouse - 25 years later it wasn’t the smartest thing we’ve ever done