TaxSimile for making this so simple.
One thing I've really learned that I need to do is increase my taxable investments. Come to think of it, I need to start putting the money away so I don't piss it all away.
I find the whole idea of using life insurance as an investment method (or vehicle if you want to get technical) very strange. It's not supposed to be an investment. That's what the share market is for. It's a just-in-case, a contigency plan, a Plan B, a backup etc.. You better hope you never have to make a claim. (not that you would be in a position to of course).