<prompt> Human: Im 21 about to graduate from college and I have a job waiting. A friend who works with Northwestern Mutual asked me to a meeting and gave me the whole spiel about insurance. He told me that he wants to sign me up on term insurance now then immediately switch over to whole life insurance once I start working. This whole thing doesnt sound good to me. Im just 21, without any dependents and dont think im in need of any type of life insurance right now.Please advise me on what steps to take; there is that pressure not to disappoint him as he is a friend; I however dont have a good feeling about this either.  <response>: Dont buy life insurance if youre not providing for someone else. 