Permanent life insurance

If you are very wealthy (maybe top 2-5% of America), it MIGHT make sense as an additional, conservative retirement investment vehicle for diversification. Otherwise, you probably have better places to spend your money. By the way, the commissions a financial advisor gets from selling a permanent policy are probably the highest commissions that advisor gets. So your advisor wins really big if you buy it.

Edit: and don't buy for her until you are married. And do you depend on her income or have kids? If no to both, you probably don't even need life insurance at all for her.