<prompt> Human: Alright first Ill just run through my situation. Im currently 26 years old, no kids, about to get married.Salary: 120KyearSavings: 12kInvestment accounts: 30k401k: 30kCompany matches 5 on 401k so currently Im putting in only 5. Thats about it.So first thing this guy tells me is to get an additional layer of short term disability coverage. My current company offers 60 base pay for short term coverage. He thinks I should pay an additional 25month to get covered for 80 and this will follow me wherever I go. I work as a software developer so not in a dangerous field at all. Would this be a wise buy?Another thing he tried to sell me on is whole life insurance, to be used as a investment vehicle. This will have a cash value. Ive been already about this on reddit and it seems most of you are against this as the return is horrible compared to investing in stocksmutual funds. Would this only be useful if I completely maxed out my 401k, as its just another way to get a tax break?  <response>: Insurance sales people are even worse than financial advisers when it comes to screwing investors. 