<prompt> Human: An old acquaintance of mine only met this person once, but weve followed each other on social media since reached out to me recently. He said that since he switched careers to financial planning recently he was trying to update his contacts and make some connections. A month later he reached out to me again asking if we can have a phone meeting to discuss some financial planning stuff. I figured there was no harm in hearing him out, so weve had two calls since. His main point was for me to get life insurance. I currently get a years salary covered by work about 34,000 , but he said that I should aim for 300,000 in coverage. He quoted me a policy at 30 a month and while that seems reasonable, Im not sure if its really necessary or if hes just trying to make a client out of me. Is life insurance really something I should be focusing on right now?Heres some details about my family. Me: male, 24 years old, no known health problems, primary source of income. Wife: female, 22 years old, no known health problems, 2 previous pregnancies, part time employment.We also have 2 children under the age of 5. Financial goals: Pay off debt about 1,000 in credit card debt and 9,000 in a car loanMove to west coast. Closer to wifes familyAny general financial advice is welcome as well. :  <response>: Yes, you need life insurance, but yes, your friend is simply trying to make a client out of you. Do your own research, perhaps buy into whatever supplemental life insurance your employer offers, or work with an agent youve previously done business with. Dont buy from your friend. As good as his deal may seem, theres a difference between people who sell life insurance to all their friends and family through social media and someone who runs a legit office. 