<prompt> Human: Im 25 and knew like nothing about life insurance, went in for a meeting with my insurance agent to switch insurance from my old car I sold to a used car I just purchased a 2007 Toyota Camry Anyways we somehow got on the topic of life insurance and discussed different types like term and whole life insurance even though I had no desire to get life insurance or even know what it is, and talked me into starting the process for a whole life policy Nictotine test by sticking a cotton swab in your mouth and what not and he calls me today saying I was approved but the premium is slightly higher then he quoted and we set up a time to come in to discuss it further and whether or not I want to proceed and if I agree to take it I will sign the paperwork making it official and make the first months payment on it in person.Anyways since doing that everything ive read on not just reddit, but anywhere on the internet, everything ive read about whole life insurance has been overwhelmingly negative. I told him and said I was skeptical and didnt know whether or not I wanted to proceed but still agreed to come in and discuss and he immediately tells me on the phone its a great investment tool and he tells me he puts his retirement money in his whole life policy and that if he could be younger and do it again he would of rather put more money in his whole life policy and not worry so much about putting money in a 401k.So how do I proceed when I go in to discuss?  <response>: and he immediately tells me on the phone its a great investment tool and he tells me he puts his retirement money in his whole life policy and that if he could be younger and do it again he would of rather put more money in his whole life policy and not worry so much about putting money in a 401k.LOLOLOLOLI almost busted a gut after reading this. You sir, have a scumbag as an agent! 