<prompt> Human: The program suggests moving all IRA funds to a Roth IRA and to a permanent life insurance asset. According to the program, it can be withdrawn at retirement age or passed to heirs tax-free. If this is true, couldnt this loophole be eventually plugged? Im already contributing the maximum to my RothIRA every year 5.5K, does this make me uneligible to addconvert additional funds from my existing 401K?Also, regarding the term life insurance, is there more to the story than described by the Slott System? Can you really invest in a permanent life insurance plan, and withdraw the money yourself tax-free? It seems Im missing something, otherwise everybody would do this, no?!  <response>: Thats terrible, terrible advice. Youd have to be a grade A asshole to tell uneducated people to cash out good retirement accounts and move them to dog shit, fee ridden products that have investment serve a secondary function.Do not buy whole permanent life insurance. Do not use insurance to invest. Use that standard as a barometer to gauge the quality of the advice youre getting. If someone tells you to invest in life insurance, assume all their advice is terrible. 