<prompt> Human: This may not seem like it belongs here but I feel it does. I currently have term life insurance till 65. My agent is pushing for me to get a permanent insurance. The premium will be higher but a small percentage of the premium will become equity. This equity is liquid and can be taken out tax free. He explained it to me as like leasing and buying a car. The premium would increase 3-4 times per month. I have a meeting this Thursday to go over the actual numbers. Is there a catch? I want to see all the angles before committing.  <response>: My agent is pushing for me to get a permanent insurance.Im sure he is.How old are you right now, and who is currently depending on your income? 