<prompt> Human: Ive been setting money aside for my kids college savings in a very unstructured way and want to get more disciplined about savinginvesting for college two children ages 5 and 3. Ive researched the options and have a friend that is a financial advisor so I asked his opinion. He is not fee based and he sells insurance, so of course there is a conflict of interest but he is also someone I know personally. So I am taking the advice with some skepticism but am curious, is whole life insurance a good strategy for college savings? The supposed pros: 1. Less risk 2. Self-completing and safety net if something should happen to me kids can still go to college 3. Tax advantaged 4. Can be used for other purposes if child opts not to go to collegeCons as I see them: 1. Rate of return seems much less than other options 2. Conflict of interest, the person standing to gain thinks it is the best optionThank you in advance for your thoughts.Edit:formatting  <response>: No no no no No. No. Insurance is to protect you against losses you cant afford. It is not an investment. Do yourself a favor - go online and get a quote for a term life insurance plan for the same amount. Notice the premium difference? Invest that amount every month and see how much more you end up with when the kids are 18 