Two options, one clear answer — settled in plain numbers.
Whole life can cost ten times what term does for the same death benefit. That gap isn't a markup — it's you pre-funding a savings account inside the policy. Whether that's worth it depends on what you actually need the coverage to do.
Both let you pay for medical costs with pre-tax money. Only one of them is yours to keep if you don't spend it, and only one of them is still yours the day you leave your job.
One taxes you now and lets the growth out tax-free later. The other does the opposite. The right order to fund them has less to do with which account is 'better' and more to do with your employer match and your tax bracket today versus in retirement.
Both apps split a purchase into four payments at 0% interest if you pay on time. The differences show up the moment you don't — in fees, in what gets reported, and in how far either company will let a balance run.