<prompt> Human: Four years ago, my wife and I signed up for Primerica Term Life Insurance and a Roth IRA account. We didnt know much at the time, newly weds and a family friend signed us up for both term life and Roth IRA. Fast forward to today, we are both 27, decent careers, 2yo son and I am considering other options based on my search on primerica in this sub. I work for Metlife not in life insurance side so I can get a better rate for term life insurance. My wife wants us to talk to her family friend person that signed us up before we make the switch. I know VanguardSchwabFidelity would be better option for investment, can you give me some pros and cons to sell the wife on the transfer?  <response>: rantimlmYes. Get out. Now. 