<prompt> Human: My girlfriend 23 has a family member that recently sold her and her brother 17 life insurance policies with Transamerica. The way it was described to them was it was a combined Life Insurance, Savings, Investment, and Retirement account all in one. They pay 110 per person a month, and according to the seller, my girlfriend can use the money paid as a savings account and withdraw money at any time. On top of this, any money paid becomes an investment and gains interest. This really sounds too good to be true for a life insurance policy. Furthermore, her family is not well off and is on financial support. Can this life insurance be trusted and be financially practical?  <response>: The only reason your girlfriends family member sold her and her brother life insurance policies is because they get a commission on the sale. Companies like Transamerica tell their new salespeople to contact family members about buying policies when they are just starting.Both your girlfriend and her brother would best be served dropping these policies as soon as possible. They likely dont need life insurance, and if they do for some reason they dont need the kind of trash Transamerica sells. See the FAQ entry on Life Insurance 