<prompt> Human: I will be the first to admit that I dont know anything about investing for retirement accounts or anything like that. Most of what they said about investing in mutual funds and retirement accounts sounded good, but the one thing that stuck out to me is that they said the account just comes with disability insurance.They acted like they were being transparent and told me that they get a small kickback from the disability insurance company for signing me up that is how they get there first payment for their services. The rest of the money they make from me is whenever they are actively managing -- that is, moving my money around and buying stocks, etc...Is this legit?Assistant: You can probably invest without mixing your retirement and your insurance needs together. Northwestern Mutual salespeople will be glad to take advantage of your not knowing anything about investing, though. They dont get a lot of love around here. Did you really just sit down on a whim? Or did NWM contact you?Human: Well, it was kind of a whim. One of their sales people called me out of the blue because he is friends with one of my friends I go way back with. I dont care for that kind of referral based business but I at least wanted to hear what they had to say.EDIT: two wordsEDIT EDIT: okay, it wasnt on a whim  <response>: Sales people. NWM was hiring big at my school at graduation. When i started hearing things like friend referals, calling people I knoe, cold calling i ran as fast as i could. I dont like pressuring people i know or selling people what they dont need. 