Insure risk, invest for growth. Think of this like your wife and your girlfriend. Somewhere in you mind you think if they got together this could be hot. Your friends are pushing you to break the ice. If you do it you will be lucky to walk away with ringing ears and missing a penis. Don't do it.
To be serious if you can be FI that early your investing is going well don't get involved with that crap. Look up term prices they are crazy cheap. I got a 30yr fix million for 675 a year. How much better than that can it get. Remember life insurance is for those left behind. If you don't have kids or married have 15k set aside to bury you and you are done.
The whole life, or add your new special name for it, cash value insurance, will eat you alive in hidden fees. Why do you think nobody likes it unless they are selling it. Don't believe me check the IRS ruling on this type of insurance and tax implications.