<prompt> Human: Im 27, single, and have no dependents. I have stable employment, am debt free, own my car, and rent an apartment. For a few years Ive been contributing 8 to my 401K at work, where my employer matches 3 on my first 6. Ive managed my budget over the years to the point where Im saving roughly half of what I earn each month, and its all just sitting in a savings account that earns a very, very small interest rate. I know there has to be a better way to invest this money, but Im totally clueless.I was put in touch with a Northwestern Mutual agent who wanted me to buy disability insurance, long-term care insurance, and a hefty permanent life insurance policy that he agreed wasnt for the actual insurance but for the cash value as an investment. Then he said we could talk about Roth IRA and brokerage accounts. I wanted a second opinion because 300 a month for life insurance I dont need sounded like money that could be better invested elsewhere. I spoke with a CFP from the Garrett Planning Network, but the fees for advice seemed astronomical. My mom put me in touch with the company thats partnered with her employer, Midland National, and while they recommended against the disability and long-term care, they are actually trying to sell me on TWO life insurance policies - a flexible premium adjustable life with indexed features and an indexed universal life. The former they say will be completely liquid and I can essentially treat like a savings account with a 100 guarantee on my investment and the latter they explained would be like more traditional life insurance with a surrender charge.The skeptic in me just isnt buying this, but Im not armed with the right knowledge to maybe be asking all of the right questions. Is there a good place I can go to educate myself? Do any of you have experience with life insurance as an investment option? Should I be looking elsewhere? Roth IRA? Money managers? Any help is appreciated!  <response>: Run away from Northwestern Mutual as fast as you can. Youre right that you should look elsewhere. Id start with reading the FAQ here. 