Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term, but it doesn't accumulate cash value. Whole life insurance, on the other hand, provides lifelong coverage and includes a savings component that builds cash value over time. While term insurance is usually more affordable, whole life insurance can serve as both protection and a long-term investment.

While standard retirement planning focuses on accumulating sufficient funds for retirement, advanced market planning delves deeper into complex financial considerations. It addresses issues like multi-generational wealth transfer, sophisticated tax strategies, and the management of substantial or diversified asset portfolios.

Rolling over your 401(k) or 403(b) into a Fixed Indexed Annuity (FIA) can offer several advantages for your retirement planning:

1. Guaranteed Lifetime Income: FIAs can provide a steady income stream throughout your retirement, ensuring you won't outlive your savings. 

2. Principal Protection with Growth Potential: FIAs safeguard your principal from market downturns while allowing for growth linked to market index performance. 

3. Tax-Deferred Growth: Earnings within an FIA grow tax-deferred, meaning you won't pay taxes on the interest until you withdraw the funds, potentially during retirement when you might be in a lower tax bracket.