<prompt> Human: Im 30 with no kids and a live in girlfriend. I have a steady-but-not-outrageous paying job in IT with good job security. I would guess am paid on the lower end of the scale for my job within the industry but the benefits are very good. I have been investing 10-14 of my paycheck into 401k with a 6 company match since entering the workforce and Im doing ok there. I own a house I bought last year. I have about 24k in savings and another 10k i use mainly for stock investments as fun money. My financial advisor suggested diverting 2-4 of my traditional 401k investments to a Roth 401k to diversify which I think is good advice and plan to follow through with. He also suggests investing in a life insurance plan as a steady method to invest money over time. This is attractive to me because: 1 I can pull money out for personal loans in the future 5years if i need it for other investment opportunities or house or vehicle related costs. 2 it is risk-averse and thus has resilience to market volatility. 3 it has better returns than a savings account cap at 1 on the low end, 8ish on the high end for returns. 4 I plan on having kids in the next 5 years and a more comprehensive life insurance plan than what my company offers is a plus. Concerns: 1 ROI appears severely negative the first few years, graduating into positive gains around year 7-10. This is also dependent on how much my monthly contribution is. This is due to the valuation of the life insurance payout portion I guess? 2 Its unreasonable to draw money out in the initial few years If say the market takes a huge crap and I want to invest it in more opportunistic endeavors. My initial liquidity is low. 3 I know relatively little about this avenue of investment, so I feel like Im in the dark a bit. If anyone could offer some second opinions or guidance I would love it. I will add that I like this financial advisor and think he is shooting straight, but I wanted to run it by impartial parties first to see what Im getting into.  <response>: You should really just search this sub for whole life insurance to see what people have said in the past. Ill break it down for you: NO.If you want investments, invest. If you need life insurance get term. 