<prompt> Human: Hi Im 23 years old and have started research on how and where to put money for retirement. Im currently contributing to my companys 401k program which matches me up to 4, so Im contributing 4. I took a responsible financing class recently and one of the instructors suggested indexed universal life insurance as a way of saving for retirement and it sounds really good because of the stability and elimination of any negative growth but Im also not very knowledgeable on this subject yet so I was hoping for some advice or experiences before I put any money or effort into an indexed universal life insurance plan. So, what are some thoughts on indexed universal life insurance?  <response>: Generally speaking, the only person who benefits from you mixing insurance with investment is the insurance agent collecting the sales commission... 