Mass Mutual 10 Pay for Funding Kids' Education?

Hi,

I have been trying to figure out if Mass Mutual's 10 pay life insurance is a good option for funding my kids' education. I have 2 young kids and am trying to plan for their education funds. I am not a big risk taker. Have already looked in plans like 529 and don't like them as much for various reasons. Thinking that if I invest in stocks / mutual funds - they may perform up and down and the day I need the money, if the market is down, it may not work in my favor. Also, when I consulted with a few people, I heard that any safe mutual fund would give you an annual return of around 7% aver
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