Business Owner Making Out 401-K - what About IUL,Whole Life or Roth 401-K

Has anyone ever run across this and any suggestion. Business owner with a small business 401-K plan. They are maxing out their contribution.

If you had the opportunity to suggest more ways to save for retirement would you do IUL with lower death benefit, whole life to protect spouse and family and business income or a ROTH 401-K? Thanks for any suggestions.
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