<prompt> Human: A buddy of mine recently asked If I minded him referring me to this investment guy. I said sure Ill meet with him. The first meeting was basically just an interview where he asked generic questions about my plans for retirement, if they could do this would it benefit me and yadayada. He mentioned that he has defensive and offensive investment plans, the defensive being no risk and tax free. Myself and my girlfriend decided we would let him write up his plans and meet with us again, which is when he presented this and I started to realize he more like an insurance salesman who is also a broker. He wants me to basicslly sign up for a policy before he does market investments, which i was put off by. Is this common for financial groups? Im really not interested in life insurance, but should I be? Does this look like a good plan? I was interested in market investments when I initially decided to meet with him. Me and my girlfriend are both healthy, late 20s, no children, make 50k each annually in a low cost of living area in the midwest and are currently financially comfortable with little debt. I can go into more details on our finances if its relevant but are there many scenarios where a policy like this is likely to benefit someone like me?  <response>: Not really.Run. Far away. 