<prompt> Human: TL;DR: Family member is trying to sell my life insurance, all they needs is my SSN which is shady what to do?I ran their company not sure if Im allowed to post their name here through Better Business Bureau and didnt find much except for the fact that they are not accredited by it. A couple searches through google using tags such as pyramid scheme and scam came up with what I thought it was. What they are supposedly offering: lifetime built-in cash value for a life savings account if what they told me was correct, thats what they are telling me but isnt listed on the companys website. Now the issue is, I can refuse however they only need my SSN to setup an account under my name so Im scared that they are going to set it up anyways, if they ask my parents uneducated Im sure theyll give it to them anyways. So when I exit college Im going end up paying for student loans and a life insurancesavings bullshit. Or I might be wrong and stupid for not taking advantage of such a great service, thoughts?  <response>: 1. Tell them that you arent comfortable with this plan and explicitly tell them not to sign you up.2. Put a fraud alert on your credit through one of the credit bureaus or This will prevent anyone from taking out credit in your name in case the go against your wishes.3. Talk to your parents to make sure they dont sign up as well.4. Run one of your 3 free credit reports every 4 months, and watch the credit inquiries like a hawk you should be doing this anyways5. Optional. Sign up for credit monitoring, they will do step 2 and 4 for you, but charge you a monthly fee. 