<prompt> Human: Is this something financial advisers just try to sell to you or is it actually a good way to go?Background: Im a young person who received a windfall, so Im not looking at life insurance for the death benefit but mainly for the long term growth of the life policy. I was talking to an advisor from New York Life and the way I had my policy designed was, I dump in a lump sum of cash into the policy in the beginning so I dont have to worry about it after a certain point and just let it grow on its own. But in general, how is life insurance as a cash growthretirement strategy?  <response>: Is this something financial advisers just try to sell to youYes, because it is terribly expensive which means lots of fees and commissions for them. But in general, how is life insurance as a cash growthretirement strategy?Terrible.I would suggest reading the wiki entry on Windfalls and Investing 