<prompt> Human: Hi all, my sister single, 27, no kids recently called me to tell me shes making me a beneficiary on a life insurance policy. This was strange. With a little more questioning, I learned that shes recently been getting her finances in order and sought advice from a financial advisor its her friends husband who strongly recommended a whole life policy to her. This person told her that it is his favorite type of investment. He has her putting in 400 per month, promised her guaranteed tax-free growth, and access to the money at any time before retirement age. He showed her graphs and figures that impressed her. The guy also scheduled a medical appointment for her in order to qualify her for the program.My sister hasnt signed any paperwork or turned over any money at this point. I dont have experience with life insurance plans but this whole thing seems suspicious to me. Do any of you have advice to offer?  <response>: Typical advice by very smart people is to not mix insurance and investing. You basically get the worst of both. The returns wont match the actual market. By the time you have paid all the fees and expenses you are neither getting a fair risk weighted return, and are essentially paying a much higher premium for the insurance than you should be. Youre better off buying insurance separately and investing separately. 