Since the subject of life insurance has been dealt with pretty thoroughly, I will comment on the Roth account. It should be free and the places to look first are Vanguard and Fidelity because of the very low cost, broadly diversified index mutual funds you can access.
Cut any intermediates out. Despite being an advisor, it is provable that advisors know nothing about the unknowable future that nobody else really knows about, as well. The problem with listening to advisors is that they will tend to recommend funds that pay them in some manner. Your costs go up and your returns go down. If you have any beliefs that advisors or brokers actually know anything, then the Bergstress, Tufano, and Chalmers study is well worth reading and can save you a lot of money over your life. Their careful study demonstrates that brokers add no value and just increase costs. I maintain a permanent link to it here on one of my websites: "Costs and Benefits of Brokers"
Finally, on the topic of Roth accounts, only a relatively small portion of the population would benefit from Roth contributions compared to "traditional" retirement contributions, when the traditional contributions would have reduced their currently taxable income. The Roth versus traditional analysis is one of the most complex financial planning decisions, because the payback justification depends on how one lives one's financial life. Furthermore, there are multi-generational considerations, as well, for those most likely to benefit.
I have written a bunch of articles on the Roth decision. Start with this one: Roth IRA Retirement Planning and then look at the bottom of this article for links to a other articles on this subject. Most people should maximize current tax reductions rather than make Roth contributions.
Also, I remember that Jeff Rose published some good Roth articles a year or so ago. Click on this Good Financial Cents site in his signature above block and search his site for "Roth."
Hope this helps.
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