<prompt> Human: My wife and I are 26 and recently met with a financial advisor for the first time. The first meeting was extremely informative and he was really helpful. The second meeting we worked on our goals and plans. We have about 20k saved in a roth IRA but he suggested that we continue contributing to that as our growth fund but also set up Indexed Universal Life plans one for each of us. He was selling us really hard on the plan and we started the process of setting up the plans. After the meeting I came home and did a little research and am reading a lot of mixed things about these indexed UL plans. I Have a really bad feeling about the whole situation and dont really trust the advisor anymore. My initial instinct is to just ditch this advisor completely. Am I overreacting? Are these indexed ul plans as bad as the Internet says they are? Should I stay with the advisor and just not do the indexed ul plans or stop using him?We did sign some papers, but havent set up any accounts or plans yet, so now is the best time to walk away if we are going to. Edit: Thanks for the advice everyone. I am following your advice and going to walk away from this guy.  <response>: Your feelings are correct: get rid of this adviser. In fact, get rid of advisers period. Managing your own finances isnt hard, and there are simple investment strategies which outperform advisers and their fees.Certainly dont make the mistake of getting life insurance as an investment vehicle. 