How do I know what is a "good" insurance product to buy for wealth accumulation?

I'd personally look at lifetime income annuities. So from the above choices you mentioned, Aviva MyLifeIncome would be the one I'll look at.

You'll get projected 4% return, 2+% guaranteed, and a lifetime income without a drawdown of your capital.

So if you're old and not interested in the annuity payout anymore, you can surrender the plan and get more than your premiums paid.