<prompt> Human: I know there are a lot of investment and financial planning options that are available. In trying to determine the right path for me a Northwest rep told me the following: Roth IRA and 401k plans are tied to the market and over a 30 year course will gain you way less than a 4 ROI.I know everything fluctuates and there are highs and lows and my planning strategies will change with time aggressive vs conservative. At one point I think he even said its likely less than 1. This seems like a load of salesman BS to me. A WLI policy with us is not tied to the market in any way and will continue to average 7.5Please Note: I dont want to start a discussion regarding WLI in general. Im not getting it. My question is that he is saying Northwest WLI is in no way shape or form tied to the financial market in the same way that the others are tied to it. So, in that way, it is impossible for the ROI on Roth IRA or a 401k to be guaranteed to be higher than the WLI he is offering. Again, this sounds like salesperson BS to me.How can Northwest WLI be secured in such a way that it is guaranteed to produce an average of 7 ROI and never lower than 3 that is not affected by the rest of the financial standing in the world?  <response>: Again, this sounds like salesperson BS to me.Your instincts are correct. Listen to that little voice in your head: avoid WLI and Northwest Mutual like the plague. 