<prompt> Human: IntroMy brothers financial advisor is strongly recommending he pick up Whole Life insurance. Based off of reading we did online including this subreddit we thought perhaps it wasnt the best idea. He is asking his advisor to cancel the account but the advisor is still pressuring him saying this is his best option and it would be a mistake to do anything else instead. I am asking this question for my brother because I also recently starting consulting with this advisor last week.---Info about my brotherHe is 20 years old and is a college student just starting his junior year. He has no dependents. Hes getting his company match for 401K and has opened an IRA not maxing out currently.---What is financial advisor is sayingMy brother is being told that he needs a guaranteed bucket of money to be able to pull from in case the market goes through a recession which history tells us is likely. My brother has no need for life insurance right now as he has no dependents. The Whole Life insurance is being used as an investment vehicle to provide the guaranteed return.The financial advisor has informed my brother he can come up with four options to use this 100 a month that he is recommending be put towards whole life insurance---Option 1 - Buy CDsThe advisor recommends not buying these since the return rate is below 2Option 2 - Invest the 100 into the Roth IRA instead of guranteed low risk accountThe advisor says that as he gets older he will need to switch his portfolio to either bonds or whole life or CDs once he maxes out IRA. He thinks CDs and Bonds are risky because the interest rates are too low and the debt of government is too high likely leading to a bubble. He says CDs and bonds arent actually guaranteed. In addition, the sooner he gets whole life the cheaper it is. If he waits later then his rates go up. He is saying whole life is the only way he can get a guaranteed contract value, even if they pay no dividends he has stored cash at 2 way tax-deferred.Option 3 - Bond FundHe says all the way back to 1988 there would not have been a return higher than 4 and his portfolio could collapse in retirement or near retirement due to a bad market. He is not recommending this option at all.Option 4 - Whole LifeRecommends this due to guaranteed bucket. He says the 30 year IRR is projected at 4.1.---Hes stating that the things we are reading on the internet are written by English majors not financial advisors so we need to keep this in mind.The reading weve done is 100 against this, but the advisor is still insisting he should keep the whole life policy.Any advice you can give is greatly appreciated. Ive learned a lot from this community and am certain someone has the knowledge to contribute to the conversation here.Thanks!  <response>: His advisor is probably getting commission when he sells whole life insurance. Your brother is 20. He doesnt need an advisor. Whole life is very bad except for a very small number of people. Your brother isnt one of them. 