<prompt> Human: We have an insurance agent from a very well known insurance agency trying to sell my parents a life insurance policy for me 20 something yo. The agent is saying you pay 160 a month for 10 years, and you get 22k in life insurance, but if you hold it until youre 65, its worth 100k. You do not pay anything after 10 years, but I imagine when you go to withdraw the money it is taxable. Thoughts?  <response>: They are selling your parents a whole life policy.Its garbage. 