Life insurance will give her more benefits than Social Security, ever would
Absolutely. This needs to be shouted from the rooftops endlessly. And no tax implications, either.
Normally, yes - but life insurance premiums greatly increase as we get older, to the point that it becomes unaffordable. I have been very disciplined in saving and investing, so there is a good stash of money to help her in her future.
I have also paid off my mortgage and built a very solid will for her and our kids.