<prompt> Human: My financial advisor told me that cash value life insurance yields higher interest than a savings account, and that you can cash in any time you want i.e. Before you die. Is he BSing me and just trying to sell life insurance? I would be surprised if so, because he was referred by two people I know to be financially savvy.  <response>: If the only thing he can offer you is life insurance or similar product, then hes not a financial advisor. Hes an insurance salesman. 