<prompt> Human: Background: I dont need life insurance, I am in my late 20s, no kids, no wife, no mortgage, 16k in college debt. To top it off I have a group life policy through work that will cover all my debt and funeral expenses if anything were to happen. He keeps saying that its a great investment because it has a lot of tax benefits, a guaranteed growth and the cash value that I can borrow against the policy anytime I want. So he keeps pushing saying that we should start out at a 25,000 policy which would be 8 a month but i contribute more to get the cash value immediately. My thoughts: if I put in 100 and have to pay 8 a month, thats an 8 fee im paying to get a guaranteed 3...aka I loss 5. Maybe I dont get it... help  <response>: Because he is getting paid to do so. Ditch the insurance salesman and either educate yourself or find a fee-only fiduciary CFP that doesnt have conflicts of interest 