u/Chemical_Animal7049

My wife is retiring and her employer set up a northwest mutual hybrid policy, paying into for 19 years. The death benefit is $75000 if we keep paying $1000 a year. The pay out is $18,000 post tax and if we do nothing the death benefit drops to $37000. We both have pensions and about $800,000 in our 401k. I feel like taking the money and invest it. Am I seeing every angle?