re: My whole life snapshot...wondering if this is the best use of my money

whole life is virtually always a terrible idea. they pay BIG commissions to the agent, which is the primary reason any are sold at all. the money would be very well invested in a whole market index/mutual fund like VTSMX.

you should first be maxing out your retirement accounts, but need to talk to your cpa to determine which is best for you
tax deferred retirement plans

good calculator showing how much you can put in plans

the big issue on some of these plans is having to contribute for all employees...again, your cpa will have to get you details

note: i'm sure i'll have agents telling you why whole or universal life are good policies, but do some research on your own and you'll quickly find virtually no unbiased adviser will agree with them (except in very special situations like estate planning or asset protection)