<prompt> Human: Idk, mid-twenties with a house and a wife and new to this whole thing. Been seeing a NWM rep for about a year. Started a ROTH, got term life insurance to 80, and long term disability so feeling good about all that.My focus has been working towards maxing my ROTH long ways out from that. But I go in this week and they want me to damn near double my wife and Is disability insurance from ARDI option to a level premium and then started back in on buying additional permanent life insurance.This may all very well be in my best interest but for some reason it never feels that way. Always seems like theyre trying to get another and not actually put me first.Any thoughts? Just kinda venting. I did end up bumping my disability policy from 14 a month to 23 which will allegedly save me 10k over the life of the policy, but who knows. My wife is very hesitant to bump hers from 17 to 38 but they are saying its the best deal.It all just really just boils down to that I dont know enough and am skeptical of being taken for a ride. Thoughts would be appreciated.Assistant: Northwestern Mutual is generally a rip off. Their investment options have high fees and are mostly actively traded funds that dont outperform the market. I would RUN away from them for everything other than term life insurance and long term disability. For insurance, go to another insurance broker that has access to multiple insurance companies and see if the Northwestern Mutual rates are competitive. Also, why do you need term life insurance until you are 80 years old? Generally speaking you should probably only get 20 year term insurance as it will be way cheaper. Whatever you do, dont let them sell you whole life insurance. It is one of the worst investment products you can possible buy.Human: Thanks for the advice. I just bought the longest term to avoid re-upping every few decades if new health complications arise.Is it fine to have set up a ROTH with them or should that go elsewhere?  <response>: Ok, but do you think youll really need term life insurance when youre 75? Usually term insurance is used for when you have kids at home, or a mortgage, or a stay-at-home spouse, or a combo of all 3.But once youre kids are out of the house, youre retired and have your house paid off, theres not really a reason to have it any longer.Sorry to hear about your experiences, I would RUN RUN RUN from Northwestern Mutual, you can do all this stuff on your own. Most popular is investing in extremely low-fee Vanguard funds like a Target Fund or SP fund. 