Should I Keep This Giant Iel In, or Should I Add Bonds?

We were sold these by a family member, and my husband is animate on keeping them. He doesn't want to put a ton of money into a taxbill account so we purchased awell policies that combined cost 300 dollars a year. My attempt at financial literacy has casedmarital stress. I am uncertain where to direct the money going forward. Should we add bonds at some point? Do we keep putting all retirement in wrath? If possible, with these tax changes? Can we transfer, not change beneficiary on account to a nephew, and ask them to pay us some of the money? Ah, thoughts on penalty withdrawals later? Random titbits. Wou'ld like to retire early